A Star Health plan that provides security from several diseases whereas covering all of your daily medical prices that may slowly drain your savings if timely attention isn’t given. Once you purchase this health insurance plan, you’ll feel distressed and can save loads in tax payments and medical prices.
Star Super Surplus is split into 2 variants like
Silver Plan: In Silver Plan, you will Covers pre and Post-hospitalization, boarding and nursing expenses, pre-existing diseases, consultant’s fee, surgeon’s fee, room, etc.
Gold Plan: This plan becomes a more useful plan to cover all the medical value stated under Silver Plan and Delivery Expense, Donor Expense, Emergency Auto Charge, Air Auto, Recharge Profit, Medical Second Opinion, etc. the main points of every Star Health plan profit is laid out in the below section, kindly refer for additional thought.
What medical prices and blessings it covers?
Benefits underneath Silver Plan:
Room rent, boarding, nursing expenses subject to most of Rs. 4,000 per day underneath in-patient hospitalization.
anesthetist and specialist’s fees, Surgeons fees, consultant’s fees for an equivalent malady that the hospitalization has been necessitated.
Other Medical Expenses LIke Pacemakers, Blood, Oxygen, operation theatre charges, anesthesia, medicine, and alternative connected expenses are covered by the star super surplus plan. in the policy schedule, some proportion of total assured dedicated to these expenses.
Pre-hospitalization medical expenses up to thirty days that will arise before the insured select the in-patient treatment of associate illness/ ill.
Post-hospitalization that’s coated up to sixty days following the discharge from the hospital when the treatment is meted out and also the patient is in sound condition to maneuver out of the custody of the hospital.
Treatment of cataract and diseases associated with the replacement of bones, cysts, thyroid diseases, diseases of ent, biliary diseases, hernia, diseases associated with feminine sexual organs, eyes chambers, etc. are coated underneath this star health insurance plan and also the client needs to stay up for twenty-four months to urge coverage.
Benefits underneath Gold Plan:
All the expenses pointed on top of ar punctually coated in conjunction with some extra edges that distinguish it from the Silver plan.
Emergency auto charges up to Rs 3000 per hospitalization for transporting the insured patient to the hospital
Air auto facility coated up to 100% of the total insured every policy amount wherever the total insured quantity purchased ought to be Rs ten lakhs and over it.
Medical Second Opinion for specific diseases that are coated underneath the plan and which needs the second consultation from an expert doctor specialized within the analysis and treatment of that individual diseases. The doctors from the second opinion may be taken should be hand-picked from the company’s portal of medical practitioners.
Delivery expenses as well as C-section Delivery (including prenatal, post-natal expenses and lawful medical termination of pregnancy) and up to Rs fifty,000 is given per policy amount. the utmost range of two deliveries ar coated.
Organ donation expenses might arise for organ transplantation within which the insured is availing the organ transplantation and expenses that ar occurred throughout the method of extraction and instrumentation of organ within the insured body. Also, note that donor screening expenses and post-donation complications of donors don’t seem to be enclosed within the coverage.
Recharge of total insured for the lost and fully consumed coverage quantity. The recharge is per an explicit limit for the remainder of the policy amount as understood within the table. in case of the other disease or totally different illness the hyperbolic total insurance may be used in the policy period
Waiver of deductibles which can cut the cost-sharing for the payment of a fraction of claim quantity by the insured. this is often applicable solely when the completion of six policy years and also the client needs to prefer it.
Minimum age of entry 18 years/91 days for kids
Maximum Age of entry 65 years/25 years for a dependent kid
Sum Insured For silver plan: Rs 7/10 lakhs only for Silver Plan as normal.
For gold plan: Rs 5/10/15/20/25 lakhs
Number members may be included For silver plan family floater: four members
For the gold plan: five members
Premium Paying term One Year
Premium Paying Modes Annually/Monthly