Super Surplus Top-Up Plan – Venna Consultancy

Star Super Surplus — Super Top-Up Estimator

Estimate incremental premium & the net protection when you add a Super Top-Up over an existing base policy. (Indicative — final premium = insurer underwriting & rate card). :contentReference[oaicite:2]{index=2}

Existing Base Policy Sum Insured (₹) — మీ ప్రస్తుతం ఉన్న SI

Your current primary policy SI (base cover). Super top-up pays after base + deductible conditions are met. :contentReference[oaicite:3]{index=3}

Desired Super Top-Up / Additional SI (₹) — Top-Up amount

Typical market use: top-up for coverage above ₹20–50L or even ₹1Cr depending on need. :contentReference[oaicite:4]{index=4}

Deductible / Attachment Point (₹)

Super top-up activates when total annual claims exceed this deductible (aggregated across the policy year). :contentReference[oaicite:5]{index=5}

Proposer Age — వయసు

Family Members (including proposer) — కుటుంబ సభ్యుల సంఖ్య

Pre-existing Condition — ముందే ఉన్న ఆరోగ్య పరిస్థితులు

Location / City Type — నగర రకం

Estimate Sensitivity — choose

Base factor multiplies Top-Up SI to give a starting annual premium (adjustable to match market rates).

Premium — Per Month (estimate)

—

Premium — Per Year (estimate)

—

Total Coverage (Base + Top-Up)

—

Claim Settlement Ratio (indicative)

—

Value Ratio (Coverage ÷ Annual Premium)

—

Break-even (Annual medical expense)

—

Note: Super Top-Up (Super Surplus) policies activate after the deductible/attachment point is crossed across the policy year and provide affordable high additional coverage. This is an estimate — check Star Super Surplus brochure & product page for exact terms, sublimits and acceptance criteria. :contentReference[oaicite:6]{index=6}