Medical emergencies can lead to unexpectedly high expenses, often exceeding the limits of basic health insurance. The Star Super Surplus Insurance Policy offers a powerful solution by providing additional coverage once a certain threshold is crossed. This top-up health insurance plan strengthens your financial security with high sum-insured options at affordable premiums, making it ideal for individuals and families seeking enhanced medical protection.
The Star Super Surplus Insurance Policy is a top-up health plan that activates after the deductible (threshold amount) is crossed. Once the deductible limit is reached, the policy provides coverage for hospitalization and medical expenses. It is designed to supplement your existing health insurance or act as a cost-effective standalone high-cover option.
• High Sum Insured: Offers large coverage amounts for major medical needs.
• Deductible-Based Plan: Policy activates after crossing a defined threshold.
• Affordable Premiums: High coverage at lower costs compared to regular policies.
• Cashless Hospitalization: Available across Star Health’s network hospitals.
• Coverage for Major Treatments: Includes surgeries, ICU care, diagnostics and more.
• No Pre-Existing Waiting Period (Variant-Based): Certain variants offer immediate coverage subject to terms.
The Super Surplus Policy provides extensive medical coverage, including:
• Inpatient hospitalization expenses
• Pre- and post-hospitalization costs
• Surgical procedures and doctor fees
• ICU charges and diagnostic tests
• Organ donor expenses
• Emergency ambulance services
This policy is ideal for:
• Individuals wanting high medical coverage at lower premiums
• Families relying on basic corporate health insurance
• Senior citizens needing additional backup beyond standard plans
• Anyone preparing for rising medical treatment costs
• People looking for a top-up plan with flexible deductible options
• Protects against large hospitalization bills
• Complements existing health policies
• Cost-effective way to increase overall coverage
• Helps manage sudden major medical expenses
• Offers peace of mind during critical treatments
Premiums paid toward the Star Super Surplus Insurance Policy qualify for tax deductions under Section 80D of the Income Tax Act, providing added financial advantage.
The Star Super Surplus Insurance Policy is an excellent choice for anyone seeking large medical coverage without high premium costs. By acting as a safety net above your existing health policy, it ensures financial protection during major medical events. With high sum-insured options, cashless services and flexible deductibles, this plan provides strong long-term security and peace of mind.