STAR HEALTH & ALLIED INSURANCE Star Super Surplus

 

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Star Super Surplus

When it comes to healthcare needs, you may tend to make a conservative estimate. However, health problems can far exceed those estimates which is why there is an advantage in looking beyond basic cover plans. Star Health presents Super Surplus Insurance which offers much larger coverage than is offered by basic plans. So all the focus can be on cures, as it banishes worry. Individual basis or family floater - the choice is yours.   Who Can Take This Health Insurance Plan? Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/- Renewals granted up to 75 years   Major Product Features The policy offers the benefits of wider protection at a lesser price. This policy is available on individual basis and also on floater basis, covering the entire family Family means two adults and two children (children economically dependent and upto 25 years)   Pre-Existing Diseases / Illness Are covered after 36 months of continuous insurance with us   Policy Benefits Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day No ceiling on ICU, medicine, diagnostic charges or consultation fee Nursing expenses Surgeon's fees, Consultant's fees, Anesthetists and Specialist's fees Cost of medicines and drugs Blood,oxygen,pace maker and similar expenses   Eligibility Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/- Renewals granted upto 75 years   Policy Premium (Individual Basis) (Service Tax extra) Sum Insured (Rs) Compulsory Deductible for each and every hospitalization (Rs) Premium (Rs) 7,00,000 3,00,000 3,000 10,00,000 3,00,000 4,000 Policy Premium (Family Floater Basis) (Service Tax extra) Sum Insured (Rs) Compulsory Deductible for each and every hospitalization (Rs) Premium (Rs) 10,00,000 3,00,000 5,700 10,00,000 5,00,000 4,300   Tax Benefits Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.   What Cannot Be Claimed Treatment of illness/diseases/sickness contracted by the insured person during the first 30 days from the commencement date of this policy Naturopathy treatment Expenses which are purely diagnostic in nature, with no positive existence of any disease Expenses incurred for non-allopathic treatment Treatment of congenital diseases/defects/anomalies Expenses which are mainly cosmetic in nature Note : For a detailed list of exclusions, refer policy conditions   Claims Procedure Inform the ID number for easy reference In case of planned hospitalization, please inform 24 hours prior to admission into the hospital In case of emergency hospitalization, information to be given within 24 hours after hospitalization In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents ----------