Star Super Surplus (Super Top-Up)

Plan details

Every field, in one place

Honesty note: Top-up vs super-top-up distinction is critical — Super Surplus is SUPER top-up (aggregate deductible) per public brochure.

Indicative premium

Order-of-magnitude only — NOT a quote

Indicative figures vary by city, family member count, medical loading and policy term. Always confirm on the insurer's premium calculator.

Known exclusions

What this plan typically does NOT cover

• ✕Standard health exclusions list
• ✕Substance abuse, self-inflicted injury
• ✕Adventure sports
• ✕Treatment outside India
• ✕Cosmetic surgery

Known traps

The fine print that decides claim outcomes

• ▸Aggregate deductible — total claims in a policy year must cross deductible BEFORE top-up activates. Single big bill = good; multiple small bills = deductible not met.
• ▸Cashless requires deductible to be settled first (either via base policy or out-of-pocket).
• ▸Renewal age cap — top-up may not renew past a certain age on some variants.
• ▸Sub-limits apply on cataract, modern treatments.
• ▸Coordination with non-Star base policy requires extra documentation at claim.

How to claim

Cashless vs reimbursement — the steps

1. 1Notify insurer. Within 24 hours of emergency admission or 48-72 hours for planned hospitalisation. Use Star Health's helpline or app — keep the reference number.
2. 2Cashless: Pre-authorisation form filled by hospital, sent to Star Healthvia the hospital's TPA desk. Approval typically 4-6 hours during business; longer overnight. If your hospital is OUT of network (or PPN-only), you'll be on reimbursement.
3. 3Reimbursement:Pay hospital out-of-pocket, then submit claim form + original bills + discharge summary + investigation reports + KYC. Insurer's IRDAI-mandated turnaround is 30 working days from receipt of complete documents.
4. 4Watch for deductions. Room rent above your eligible category triggers proportionate deduction across the WHOLE bill, not just room rent. Sub-limits on cataract / modern treatment apply even when total SI is far higher.
5. 5If denied: Ask for a written denial citing the exact clause. Internal grievance redressal first, then IRDAI Bima Bharosa or the Insurance Ombudsman.