Established in 2006, Star Health Insurance Company gives a tough competition to the older insurance houses with its extensive range and variety of health and medical insurance products.
The popularity of Star Health Insurance Company is due to its larger coverage at the lower expenses. You can avail better medical and health cover facility at considerably lower prices.
Why to Choose Star Health Insurance Plans - Super Surplus Gold Super Top Up Plan?
Get larger insured sum at considerably lesser premiums.
Pre-existing health conditions get covered at the completion of 3yrs of the policy term period.
No need to undergo medical tests before purchasing the Star Health plan.
Both individual insurance plan and family insurance plans are available.
Lifetime renewability of the policy is allowed.
Moreover, it has an additional benefit that allows you to take second opinion if needed.
Eligibility Criteria of Star Super Surplus Gold Policy
• Minimum age of the insured at the time of entry should be 90 days and maximum limit is 65yrs.
• Maximum age for the renewal of Star Health Insurance Plans is 75yrs.
• Term period of the plan is 1yr.
• Star Health Insurance provides only individual health floater plan.
• Minimum insured sum is 5lakhs and maximum insured sum is 25lakhs.
Chief Features of Super Surplus Gold - Star Health Insurance Plans
o Affordability → this super surplus gold top up plan by Star Health Insurance is designed to give wider protection at reasonable prices.
o Claims → in this Gold Top up plan claim amount is activated after exceeding the stated limit of medical expenses by the insured person.
o Ambulance → it offers air-ambulance facility which amounts to almost 10% of the total insured sum.
o Day Care Option → it allows you to avail 405 day care methods in which you may not require to take admission in the hospital. Besides, it allows you to go for a second opinion.
o Pre and Post Admission Expenses in Hospital → Star Health Insurance Plans offer to bear your admission expenses 1 month before the admission in hospital and 2 months post admission in hospital.
o Rent → this Gold plan offers no capping over the rent of the room. It takes care of the expenses of room and nursing which almost amounts to ₹4 thousand per day up to 2% of the Insured sum.
o Co-Payment Option → almost 10% of the expenses is allowed for co-payment facility, provided the age at the entry is more than 60yrs.
o Cover → this Gold Plan by Star Insurance company also takes care of the fees of consultation, cost of medicines, expenses of operation theatre, charges of transfusion of blood and pace maker.
Benefits of Star Health Insurance Gold Top Up Plan
Free Trial Period – this gold plan allows free trial period for the Star Health Insurance Plans. During this look- up period you may decide to not to continue the plan and ask for the repay of the insurance sum within 15 working days.
Port Facility - Star Health Insurance Plans allow you to port your policy to other insurance company when your policy is near the end of the term, provided you must give written information to the Star Health Insurance Company 45 days prior to renewal of the plan.
Cooling Period of the Plan - Star Health Insurance Plans offer 30 days of cooling period right after the inception of the plan. During this period you can claim for illness except for those caused due to an accident.
Disease Specific Cover - Star Health Insurance Plans also provide some disease specific cover within the policy which activates 2yrs after the inception of the policy. The listed diseases are cataract, kidney stones, arthritis and so on.
Online Purchase Options – Star Gold plan offers online policy maintenance and purchase facility to the insured persons. You can enhance the range of your policy coverage, modify the assured sum, and include whole family as in family floater plans online.
Exclusions in the Star Insurance Gold Top Up Plan
Treatments related to dental problems
Injuries incurred by War or by nuclear actions
Circumcision or cosmetic surgeries
Treatment of self inflicted injuries
Vaccination and other congenital illnesses
Treatment of infertility or in-vitro method of fertilization
Cover to pregnancies, abortions or miscarriages
Sexually Transmitted Diseases
Mental and psychological disorders
Star Health Insurance Super Surplus Gold Top up plan also qualifies for tax deduction facility within the premises of Sec. 80D of Indian IT Act. Remember, like other health insurance plan Star Super Surplus Gold Top up plan provides tax benefits beyond the limits of Sec 80C of Income Tax Act. Star medical cover plan, thus, lets you to enjoy all the facilities of a proper medical insurance policy but at the same time goes easy on your pockets.
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