Star Health

Star Health

Super Surplus Gold

The plan does what you expect super top up plans to do and if you have a pre-existing, there's nobody else that will cover these complications after just one year. Except, this policy. And while it might not be the most economical option out there, the plan also allows you to top up your cover by about 1 Crore, and that should more than suffice for most people. A solid super-top up plan overall.

What's good here?

co_pay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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disease_sublimit

Your insurer won’t pay the full bill for certain diseases

Sub-limits on Modern Day Treatments

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pre_post

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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ped

Short waiting period for Pre Existing Diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 1 year. It’s probably the best deal you can get to be honest.

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day_care

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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What's bad here?

room_rent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

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domiciallary

No coverage if you are forced to hospitalize at home

The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.

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What's lacking here?

restoration

Good Restoration Benefit

Upto 50K for 3L deductible, Upto 75K for 5L deductible, Upto 1L for 10L deductible, upto 2.5L for 15L+ deductible

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ncb

No Bonus for being healthy and not claiming insurance

Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

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ayush

No Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatment to cure an illness. Tough Luck!!! Your insurer won’t cover this expense.

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health_checkup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

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Frequently Asked Questions

Yes. Super Surplus Gold imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 1-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 1-year waiting period for any pre-existing disease you may have while buying the policy.
  • Maternity and Newborn Waiting Period: There’s a 1-year waiting period before you can make claims related to pregnancy and childbirth.
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