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Star Health and Allied Insurance - Super Surplus Policy (2009-10)

Super Surplus Policy (2009-10)

It offers coverage much larger than the ones offered by basic plans. This policy helps you to face/overcome unforeseen circumstances in life.

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 dependant and up to 25 years)

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, Anaesthetist's and Specialist's fees
  • Cost of medicines and drugs
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Eligibility

  • Any person aged between 5 months and 60 years can take this insurance up to a maximum sum insured of Rs10,00,000/-
  • Renewals granted up to 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/-
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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/-

Exclusions

  • Expenses for the treatment of any illness/diseases/condition which is pre-existing
  • 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
  • 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.


Post a Comment

Comments should be on the topic and should not be abusive. The editorial team reserves the right to review and moderate the comments posted on the site.

Comments

kirankothari

Dear Sir, I am Kiran Kothari , 57 years old. sufferinf from controlled diabities and hypothyroid from nearly 10years without any hospitalization. I am fit and having regular walk and exercise session.My medical insurance was covered by corporate policy of my executive son. Now I would like to have medical [health insurance]. policy. Please guide me accordingly. Kiran Kothari

imrangmulani

The worst insurance firm ever.. My Father took Senior Citizen Red Carpet Policy [Coverage: 1 Lac; POLICY NO. 006908] from Star Health. On August 29, 2013 when he took policy, he declared that he has Asthma. In October 2013, due to the high blood pressure he was admitted at Sanjeevani Criticare Hospital, Kopar Khairane, Navi Mumbai from 03.10.2013 to 05.10.2013. He spent around Rs. 20,000/- in this process. I had submitted all the papers to Star Health Vashi Office. After which I had no clue on the status of my claim. Every time I called up the helpline, I was flooded with multiple numbers where I need to call and follow-up with each one you in order to have a clear visibility of my claim status. Every time there was a new story that I was hearing from customer support "that the claim in process", but today, I came to know that my Father???s claim has been rejected (claim # 0130102) and it was stated to me that it won???t cover under policy due to norms mentioned as "patient was symptomatic prior to inception of star policy". I do not understand the diagnosis/Analysis been done on this from which you had conclude to reject this normal claim?? I had copied this email to Dr. Sachin Gangavane Sir (Sanjeevani Criticare Hospital) under whose treatment my father???s health was stabilized. As I came to know from your representative that the claim has been rejected on the basis of description written on the indoor paper submitted by hospital, I am sure this is human error and as Health Insurance Company I feel you guys should verify all the medical bills and supporting documents submitted by client before taking such nasty decision. Irrespective of the Policy coverage and terms specified in it you should have thoroughly studied the case history of the client and follow the norms under the same prior you conclude on anything. This is really causing a pain for me to accept your decision under abnormal circumstances. Please let me know, did you find any medical history of my father related to high blood pressure?? On the basis of one note written on some paper how you guys deal with client???s problems before investigating further??? My father felt cheated now as his claim got rejected when he really need it. What is the legal way to handle this issue? Can anybody guide me further on this?

shilpaz

does it covers liposuction treatment

francislmonteiro

It may be the best .If so answre A senior citizen is issued policy five year back.she paye premium regularly and made bo claim.Can premium jump 100%.She has to pay rs 15000 instead of rs 7000 for sum assured of rs 300000.Is this not misselling.Can you punish Andheri mumbai advisor

Advancells

This is really sad. We should certainly take some action as permitted by law. Maybe we can go to consumer court and file a petition. Freedom of common man cannot be curbed. Strict action against these demons is the need of the hour....

francislmonteiro

The worst insurance firm star health allied insurance Andheri Mumbai.The agent cheated us. We have paid regular premium for five years and no claim made but this year the premium is increased 100%. I had complained to all officers and IRDA but they are not afraid. They refuse to give formula of 100% increase There should be action against agent for mis selling. The firm is also refusing to give physical copies of policy if renewed online

Advancells

These insurance companies know how to dupe people - even educated people. Friends, don't fall into this vicious trap. Also go for renowned companies and consult someone before even talking to these sidey agents.

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