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Top Up Health Insurance Policies from Companies in India
 
  Last Updated On- 05, April 2012
(1) Who offers TOP UP Health Insurance Policy   (2) Policy Wording/ Proposal Form/ Brochure
(3) Various TOP UP Health Insurance Policy by Health Insurance Companies
 
General/Health Insurance Companies Products
 
 
 
 
 
3- Star Health Super Surplus Insurance Plan from Star Health and Allied Insurance Co. Ltd.
When it comes to healthcare needs, you may tend to make a conservative estimate. However, health problems can far exceed those estimates which is why there is an advantage in looking beyond basic cover plans. Star Health presents Super Surplus Insurance which offers much larger coverage than is offered by basic plans. So all the focus can be on cures, as it banishes worry. Individual basis or family floater - the choice is yours.
Who Can Take This Health Insurance Plan?
  • Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/
  • Renewals granted up to 75 years
  • Major Product Features
  • The policy offers the benefits of wider protection at a lesser price. This policy is available on individual basis and also on floater basis, covering the entire family
  • Family means two adults and two children (children economically dependent and upto 25 years)
  • Pre-Existing Diseases / Illness
  • Are covered after 36 months of continuous insurance with us
  • Policy Benefits
  • Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day
  • No ceiling on ICU, medicine, diagnostic charges or consultation fee
  • Nursing expenses
  • Surgeon's fees, Consultant's fees, Anesthetists and Specialist's fees
  • Cost of medicines and drugs
  • Blood,oxygen,pace maker and similar expenses
  • Eligibility
  • Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/-
  • Renewals granted upto 75 years
  • Policy Premium (Individual Basis) (Service Tax extra)
    Sum Insured (Rs) Compulsory Deductible for each and every hospitalization (Rs) Premium (Rs)
    7,00,000 3,00,000 3,000
    10,00,000 3,00,000 4,000
    Policy Premium (Family Floater Basis) (Service Tax extra)
    Sum Insured (Rs) Compulsory Deductible for each and every hospitalization (Rs) Premium (Rs)
    10,00,000 3,00,000 5,700
    10,00,000 5,00,000 4,300
    Tax Benefits
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
  • What Cannot Be Claimed
  • Treatment of illness/diseases/sickness contracted by the insured person during the first 30 days from the commencement date of this policy
  • Naturopathy treatment
  • Expenses which are purely diagnostic in nature, with no positive existence of any disease
  • Surgeon's fees, Consultant's fees, Anesthetists and Specialist's fees
  • Expenses incurred for non-allopathic treatment
  • Treatment of congenital diseases/defects/anomalies
  • Expenses which are mainly cosmetic in nature
  • Note: For a detailed list of exclusions, refer policy conditions
    Claims Procedure
  • Inform the ID number for easy reference
  • In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
  • In case of emergency hospitalization, information to be given within 24 hours after hospitalization
  • In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents
  • Star Advantages
  • No Third Party Administrator; direct in-house claims settlement
  • Faster & hassle-free claim settlement
  • Cashless facility if the treatment is taken in any designated hospital
  • Network of more than 4900 hospitals across India
  • Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices.
  • 24x7 toll-free helpline
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