Super Surplus Insurance Policy UIN:SHAHLIP22035V062122
Star Super Surplus (Floater) Insurance Policy UIN:SHAHLIP22034V062122
Below are the highlights for Gold Plan
Top-up at affordable premium
A Top up policy providing higher sum insured at a very affordable premium.
No pre-acceptance medical screening
No pre-acceptance medical screening required.
Flexible policy basis
This policy can be taken on both Individual and Floater basis.
Maternity cover
Maternity Expenses covered upto specified limits
Air ambulance cover
Air Ambulance facility covered up to 10% of the sum insured
Organ Donor Expenses
Organ Donor Expenses covered.
Benefits
Silver Plan | Gold Plan |
|---|---|
| Sum Insured on Individual Basis | Sum Insured on Individual Basis |
| In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day. | In-Patient Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses |
| Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. | Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. |
| Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers. | Anesthesia, Blood, Oxygen, and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers. |
| Pre and Post Hospitalization – 30 days and 60 days | Pre and Post Hospitalization – 60 days and 90days. |
| Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company. | Pre Existing Diseases as defined in the policy until 12 consecutive months of continuous coverage have elapsed; since inception of the first policy with any Indian Insurer. |
| Waiting period for Specific diseases – 24 months | Waiting period for Specific diseases – 12 months |
| Deductible applied for each and every claim | The Proposer can opt at the beginning of 6th year before renewal of this policy or later during any successive renewal , for an Indemnity Health Insurance policy without defined limit offered by the Company with continuity of benefits for the average sum insured of immediately preceding 5 years period subject to the following :- All the Insured Persons are insured with the Company under this policy before the age of 50 years and have been continuously renewed without any break No claim has been made during the immediately preceding 5 years. The proposer should exercise this option for all the insured persons. This policy shall not be further renewed if the option is exercised |
| Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including pre-natal, post-natal expenses and lawful medical termination of pregnancy) up-to Rs.50,000/- per policy period, subject to a maximum of 2 deliveries in the entire life time of the insured person are payable while the policy is in force. | |
| Organ Donor Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and post-donation complications of the donor are not payable. | |
| Recharge Benefit : If the sum insured under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits | |
| Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3,000/- per policy period | |
| Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above. | |
| Facility of obtaining Medical Second opinion | |
| Co-pay of 10% of each and every claim amount for insured person whose age at the time of entry is above 60 years |
Silver Plan | Gold Plan |
|---|---|
| Sum Insured on Floater Basis | Sum Insured on Floater Basis |
| In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day. | In-Patient Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses |
| Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. | Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. |
| Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers. | Anesthesia, Blood, Oxygen, and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers. |
| Pre and Post Hospitalization – 30 days and 60 days | Pre and Post Hospitalization – 60 days and 90days. |
| Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company. | Pre Existing Diseases as defined in the policy until 12 consecutive months of continuous coverage have elapsed; since inception of the first policy with any Indian Insurer. |
| Waiting period for Specific diseases – 24 months | Waiting period for Specific diseases – 12 months |
| Deductible applied for each and every claim | The Proposer can opt at the beginning of 6th year before renewal of this policy or later during any successive renewal , for an Indemnity Health Insurance policy without defined limit offered by the Company with continuity of benefits for the average sum insured of immediately preceding 5 years period subject to the following :- All the Insured Persons are insured with the Company under this policy before the age of 50 years and have been continuously renewed without any break No claim has been made during the immediately preceding 5 years. The proposer should exercise this option for all the insured persons. This policy shall not be further renewed if the option is exercised |
| Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including pre-natal, post-natal expenses and lawful medical termination of pregnancy) up-to Rs.50,000/- per policy period, subject to a maximum of 2 deliveries in the entire life time of the insured person are payable while the policy is in force. | |
| Organ Donor Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and post-donation complications of the donor are not payable. | |
| Recharge Benefit : If the sum insured under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits | |
| Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3,000/- per hospitalization | |
| Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.10 lacs and above. | |
| Facility of obtaining Medical Second opinion | |
Co-pay of 10% of each and every where the age at entry is above 60 years |
Eligibility
- Any person aged between 18 years and 65 years can take this insurance.
- Children can be covered from 91 days to 25 yrs. Children can be covered only along with parents.
- No exit age, Life Long renewals
General Terms
- No pre-acceptance medical screening.
- Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
- A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals).