Star Allied Super Surplus

Product Overview

Star Super Surplus health insurance plan is a unique type of health insurance cover which offers (the insured) an additional coverage, which is beyond the “threshold limit” (or) the maximum limit of the existing health insurance policies, admission as an inpatient for a minimum period of 24hrs is required.

Unique Features of Star Allied Super Surplus

• Some Specific illness are covered after 1 year
• Pre-Existing diseases are covered after 3 years.
• No Co-payment

Critical features of Star Allied Super Surplus

• Room rent:
  Limits imposed towards room and ICU rent expenses
  Room rent 2 % of Sum Insured maximum 4000 per day
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan does not have no co-payment clause
• No Claim Bonus:
  This Plan does not have no claim bonus benefits
• Pre- Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plans has a waiting period of 3 years is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Children-5 year / Adults-18 years
• Maximum age of Entry:- 65 years
• Renewal Age:- Life Long Renewal
• Policy Tenure:- 1 year
• Premium Calculated on Basis of:- Age (i.e. sum Insured Chosen)

 

Additional discounts

• Family Discount of 5 % for 2,3 members and if 4 or above 10 %.
• Discount for multi-year polices-7.5 % discount for opting 2yr policy tenure and 10 % discount for opting 3 yr.
• Group Discount of 5 % for 15 to 100 members, 10 % for 101 to 600 members, 15 % for 601 to 2000 and 20 % for 2001 and above.

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 1 Year:
  Deviated Nasal Septum, Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital lntemal disease/defect, Fistula in anus, Piles, Fissure in anus, Sinusitis, and related disorders, Nasal Polyps, gall bladder calculi and renal calculi
• Covered after 2 Years:
  Cataract, Hysterectomy for menorrhagia or fibromyoma, Knee Replacement Surgery, Joint Replacement Surgery, Prolapse of intervertibral disc, Varicose veins and Varicose ulcers.

Exclusions

• Congenital external diseases wheather internal or external.
• Cost of spectacles, War or any act of war, invasion and act of terrorism.
• Cosmatic surgery and plastic surgery
• Dental treatment or surgery of any kind unless requiring hospitalisation
• Any psychological disorders, Naturopathy Treatment, Weight control services.
• Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the attending physician.

Tax Benefits

• You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
• Self, Spouse, Childrens- Up to Rs 20,000/-
• Parents-Up to Rs 25,000/-
• Parents (Senior Citizens)-Up to Rs 30,000/-

Claim Process

Insurer has to be intimated 24 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 15 days of discharge from the hospital.

Claims Intimate at toll free - 1800 425 2255

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