Star Health Super Surplus Gold Plan
Star
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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Policy Wording
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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: Single Private A/c Room
- ICU: No Limit
- Normal: Single Private A/c Room
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 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
Cashless Healthcare Providers
13,533 Network Hospitals
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.
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
Related Variants
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We help you maximize your coverage over time for stronger protection.
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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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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.
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.
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