SUPER SURPLUS PLAN

🌟 Introduction

Star Health Insurance ka Super Surplus Plan ek top-up health insurance policy hai jo aapke existing health insurance coverage ke upar additional financial protection provide karta hai. Yeh plan un logon ke liye ideal hai jo apne medical expenses ke liye ek extra safety net chahte hain, especially un situations mein jab unka base policy sum insured insufficient ho.

🛡️ Key Features

• Policy Type: Individual aur Family Floater

• Entry Age: 18 se 65 saal tak

• Policy Term: 1 saal ya 2 saal

• Sum Insured Options: ₹5 lakh se ₹1 crore tak

• Premium Payment Options: Monthly, Quarterly, Half-Yearly, Annually

• No Pre-Acceptance Medical Screening: Policy lene se pehle koi medical test ki zarurat nahi hai

• Lifelong Renewability: Policy ko lifetime renew karne ka option hota hai

✅ Coverage Details

1. Hospitalization Expenses

• Room Rent: ₹4,000 per day (Silver Plan) / Single Private A/C Room (Gold Plan)

• ICU Charges: Coverage available

• Doctor’s Fees: Surgeon, anesthetist, aur consultant ki fees cover hoti hai

• Pre and Post-Hospitalization: Silver Plan mein 30 aur 60 din, Gold Plan mein 60 aur 90 din tak ke medical expenses cover hote hain

2. Day Care Procedures

• Coverage: 24 ghante se kam time mein complete hone wale 400+ daycare procedures cover hote hain

3. Maternity Benefits

• Coverage: Delivery expenses, including pre-natal aur post-natal care, cover hoti hain

• Limit: ₹50,000 tak per policy period, maximum 2 deliveries tak

4. Organ Donor Expenses

• Coverage: Organ transplantation ke liye organ donor ki hospitalization expenses cover hoti hain

5. Air Ambulance

• Coverage: ₹5 lakh tak ka air ambulance cover milta hai

6. Pre-Existing Diseases

• Silver Plan: Coverage after 36 months

• Gold Plan: Coverage after 12 months

7. Specific Diseases

• Silver Plan: Coverage after 24 months

• Gold Plan: Coverage after 12 months

💡 Additional Benefits

• No Co-Payment: Silver Plan mein koi co-payment nahi hai; Gold Plan mein 60 saal se kam umar ke liye bhi koi co-payment nahi hai; 60 saal ya usse zyada umar ke liye 10% co-payment applicable hai

• No Claim Bonus: Silver Plan mein koi no claim bonus nahi hai; Gold Plan mein claim-free years ke liye bonus milta hai

• Tax Benefits: Premiums par Section 80D ke under income tax benefits milte hain

🚫 Exclusions

• War-related Injuries: War, civil war, ya nuclear radiation se related injuries cover nahi hoti

• Self-Inflicted Injuries: Apne aap ko chot pahuchana cover nahi hota

• Cosmetic Treatments: Beauty-related treatments ko cover nahi kiya jata

• Obesity Treatments: Weight loss treatments, including bariatric surgery, cover nahi hoti

• Substance Abuse: Alcohol ya drug addiction se related treatments cover nahi hoti

📊 Premium Calculation

Premium aapke age, sum insured, aur policy term par depend karta hai. Example ke liye:

• ₹5 Lakh Sum Insured: ₹4,000 per year

• ₹10 Lakh Sum Insured: ₹7,500 per year

• ₹15 Lakh Sum Insured: ₹11,000 per year

Note: Yeh premium indicative hai aur actual premium aapke details par depend karega

🏥 Network Hospitals

Star Health ka pan-India 15,000+ hospitals ka network hai jahan aap cashless treatment le sakte hain. Aap apne nearest network hospital ki list Star Health ki website ya customer care se le sakte hain

🧠 Conclusion

Star Health ka Super Surplus Plan un logon ke liye ek valuable option hai jo apne existing health insurance coverage ko enhance karna chahte hain. Yeh plan aapko additional financial protection deta hai, especially un situations mein jab aapka base policy sum insured insufficient ho. Agar aap apne health ko stress-free aur financially secure banana chahte hain, to yeh policy aapke liye beneficial ho sakti hai