- About Coverfox
Star Health and Allied Insurance Co Ltd began its services in 2006 with the interests in Overseas Mediclaim Policy, Health Insurance, and Personal Accident. The company allows a broad range of health insurance products at reasonable costs to make health insurance every human being's fundamental right.
The Star Health Super Surplus plan gives you more coverage than other basic plans. It offers wider protection at a lesser price. The policy is available for both individual and family floater basis.
Maximum Children:2 (Till the age of 25)
7 and 10 lakhs
Children from 3 months – 25 years can be covered along with parents
Maximum Children:2 (till the age of 25 years)
7 and 10 lakhs
Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.
There is a deductible on every claim made when the aggregate of the previous hospitalization during that policy period exceeds a certain limit.
The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.
The insurance company will pay you medical expenses incurred up to 7% of hospitalization expenses subject to Rs. 3000, 60 days post hospitalization.
Hospital cash is provided at the rate of Rs. 1000 per day of hospitalization for maximum of 14 days where treatment is taken in a Government hospital
This plan provides domestic road ambulance cover up to Rs. 1500 per policy period. For Air Ambulance, you can avail up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above
You can port this policy to another insurer towards renewal provided application is made to the company at least 45 days from when the renewal is due.
Note: You can also migrate to any other indemnity based health plan of the company after completion of 5 years of renewing the policy or after completing 60 years of age. In such a case, the defined limit would become zero.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
A 30 days cooling off period for all claims except any arising out of accidental injuries.
The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.
You can claim for any pre-existing conditions after 36 months from the policy start date without any breaks with any non-life Indian insurance company
The Plan will not cover any liabilities towards the treatments of following conditions-
The Star Super Surplus plan is a top-up plan with individual and family floater options. It offers optimum coverage for affordable premiums. The policy also offers lifelong renewal and multiple hospitalization cover benefits which is perfect for an individual seekinghealth insuranceat a reasonable cost.**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.