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Star Health Super Surplus Gold Plan

Star Health Super Surplus Gold Plan

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

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82.31

Claim Settlement Ratio

14000

Network Hospitals

7

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

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Final Verdict

The Star Health Super Surplus Gold Plan offers cost-effective coverage with no co-payment, maternity benefits, and air ambulance options. Ideal for individuals seeking enhanced protection beyond existing coverage with flexible deductibles.

About

About Star Health Insurance

The Star Health Super Surplus Gold Plan is a super top-up health insurance policy covering medical expenses beyond a deductible limit. With a sum insured of up to ₹1 crore, it offers enhanced financial protection. It features a short one-year waiting period for pre-existing diseases, maternity benefits up to ₹50,000, and AYUSH treatment coverage. The policy has no co-payment, but room rent is limited to a single private room. Ideal for cost-effective health coverage with...

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

  • Normal: Single Private A/c Room

  • ICU: No Limit

Advanced Treatments

  • Uterine artery Embolization and HIFU

  • Balloon Sinuplasty

  • Deep Brain stimulation

  • Oral chemotherapy

  • Immunotherapy- Monoclonal Antibody to be given as injection

  • Intra vitreal injections g. Robotic surgeries

  • Stereotactic radio surgeries

  • Bronchial Thermoplasty

  • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)

  • IONM - (Intra Operative Neuro Monitoring)

  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

  • The insurer bears the entire cost of treatment up to the sum insured, with no co-payment required from the policyholder.

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Exclusions

  • Treatment for injuries or illnesses resulting from war, civil unrest, or nuclear hazards.

  • Cosmetic or aesthetic treatments, plastic surgery, and related complications.

  • Expenses incurred for obesity-related treatments and weight control programs.

  • Medical expenses for treatment outside India.

  • Treatment for alcohol or drug addiction, and any illness related to substance abuse.

  • Congenital external diseases, defects, or anomalies.

  • Dental treatments or surgeries unless necessitated due to an accident.

  • Infertility treatments and assisted reproductive technologies.

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About the company

About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.

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