Star Health

Solid Super Top-Up Plan: Covers pre-existing conditions after just one year, allowing a top-up of about 1 Crore. It's not the most economical but provides comprehensive coverage.

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whatWeLike What We Like

This section highlights the strengths and benefits of Super Surplus Gold policy by Star Health. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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Short waiting period for Pre Existing Diseases

Coverage for Diabetes and Cardiovascular Problems: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Super Surplus Gold policy by Star Health. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

You can pick a Single Private room but nothing fancy

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Your insurer won’t pay the full bill for certain diseases

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Super Surplus Gold policy by Star Health. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Good Restoration Benefit

Sub-Limits on Modern Treatments: There are sub-limits on modern treatments under this policy.

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No Bonus for being healthy and not claiming insurance

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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No Cover for Alternative Medicine

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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Good Restoration Benefit

Sub-Limits on Modern Treatments: There are sub-limits on modern treatments under this policy.

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No Bonus for being healthy and not claiming insurance

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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No Cover for Alternative Medicine

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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No Bonus for being healthy and not claiming insurance

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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No Cover for Alternative Medicine

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Learn More

No Cover for Alternative Medicine

Deductible-Based Coverage: Up to ?50,000 for a ?3L deductible, up to ?75,000 for a ?5L deductible, up to ?1L for a ?10L deductible, and up to ?2.5L fo...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Learn More

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Super Surplus Gold in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Super Surplus Gold Plan is designed to provide additional coverage over and above existing health insurance, ideal for covering high medical expenses.

Yes, pre-existing conditions are covered after a waiting period of 24 months.

The deductible is the amount that must be paid out-of-pocket before the insurance coverage kicks in; this plan allows you to choose the deductible amount.

No, the Super Surplus Gold Plan does not cover outpatient consultations.

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