How does the waiting period affect my coverage?

The Star Super Surplus Gold policy imposes a 12-month waiting period for pre-existing diseases and specified treatments, during which related claims are not admissible.

What happens if I don’t use my health insurance benefits for the entire year?

This policy does not offer a no-claim bonus or increased coverage for claim-free years, benefits remain unchanged regardless of claim activity.

Will my health insurance cover treatment abroad?

The Star Super Surplus Gold policy does not provide coverage for treatments received outside India.

Does the Star Health Super Surplus Gold Plan cover alternative treatments?

Yes, the Star Health Super Surplus Gold Plan covers alternative treatments. It includes AYUSH treatments—Ayurveda, Unani, Siddha, and Homeopathy

OneAssure

Health Insurance

Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Star Super Surplus Gold

Final Verdict

The Star Health Super Surplus Gold Plan offers cost-effective coverage with no co-payment, maternity benefits, and air ambulance options. Ideal for individuals seeking enhanced protection beyond existing coverage with flexible deductibles.

About

About Star Super Surplus Gold

The Star Health Super Surplus Gold Plan is a super top-up health insurance policy covering medical expenses beyond a deductible limit. With a sum insured of up to ₹1 crore, it offers enhanced financial protection. It features a short one-year waiting period for pre-existing diseases, maternity benefits up to ₹50,000, and AYUSH treatment coverage. The policy has no co-payment, but room rent is limited to a single private room. Ideal for cost-effective health coverage with flexible deductibles.

The Star Health Super Surplus Gold Plan is a super top-up health insurance policy covering medical expenses beyond a deductible limit. With a sum insured of up to ₹1 crore, it offers enhanced financial protection. It features a short one-year waiting period for pre-existing diseases, maternity benefits up to ₹50,000, and AYUSH treatment coverage. The policy has no co-payment, but room rent is limited to a single private room. Ideal for cost-effective health coverage with...

Super Surplus Gold Ratings

Ratings: Star Super Surplus Gold

Insurer Rating

5.67

out of 10

Insurance Rating

4.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Star Super Surplus Gold

Room Rent

Normal: Single Private A/c Room
ICU: No Limit

Advanced Treatments

Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

The insurer bears the entire cost of treatment up to the sum insured, with no co-payment required from the policyholder.

Cashless Healthcare Providers

13,533 Network Hospitals

Waiting Period

Pre-Existing Diseases - Coverage under the policy after the expiry of 12 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer.
Initial Waiting Period- 30 Days

Daycare Treatment

All Day care procedures are covered.

AYUSH Treatment

Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.

Room Rent

Normal: Single Private A/c Room
ICU: No Limit

Advanced Treatments

Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

The insurer bears the entire cost of treatment up to the sum insured, with no co-payment required from the policyholder.

Exclusions

Treatment for injuries or illnesses resulting from war, civil unrest, or nuclear hazards.
Cosmetic or aesthetic treatments, plastic surgery, and related complications.
Expenses incurred for obesity-related treatments and weight control programs.
Medical expenses for treatment outside India.
Treatment for alcohol or drug addiction, and any illness related to substance abuse.

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.