Star Health Super Surplus Gold Plan
Star Health Insurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Unlimited ICU Coverage
No financial limits on ICU expenses, ensuring comprehensive critical care without additional costs, providing peace of mind during emergencies.
Advanced Treatments
Covers robotic surgeries, oral chemotherapy, deep brain stimulation, and stem cell therapy, ensuring access to modern medical advancements for critical conditions.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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.
Waiting Periods
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
Cashless Healthcare Providers
13,533 Network Hospitals
Day Care Treatments
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.
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.
Congenital external diseases, defects, or anomalies.
Dental treatments or surgeries unless necessitated due to an accident.
Infertility treatments and assisted reproductive technologies.
Self-inflicted injuries or attempted suicide.
Expenses related to venereal diseases and sexually transmitted infections.
Exclusions
Deductible Waiver Option - Allows policyholders to waive the deductible, enabling coverage from the first rupee of hospitalization expenses.
Air Ambulance Cover - Provides coverage for air ambulance services, ensuring swift medical evacuation during critical emergencies.
Add-ons
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We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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