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Super Surplus Insurance Policy

Star Health Super Surplus Insurance Policy. It offers much larger coverage than other insurance plans. So no matter what, you are always prepared to face the most unfortunate of heath eventualities.

Policy typeHealth insuranceInsurerStar Health and Allied Insurance Company LimitedEntry ageAdults: 18 to 65 years. Children: 91 days to 25 years, covered only along with parents; there is no exit age and renewals continue for life.
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Quick eligibility check

Super Surplus Insurance Policy

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Adults: 18 to 65 years?

Published source: Entry age

2Do you meet this requirement: Children: 91 days to 25 years, covered only along with parents?

Published source: Entry age

3Does your age meet this requirement: there is no exit age and renewals continue for life?

Published source: Entry age

4Does your age meet this requirement: Adults aged 18 to 65 years are eligible?

5Do you meet this requirement: Children can be covered from 91 days to 25 years only with their parents?

6Document checkDo you have this required document or proof: Completed claim form?

7Document checkDo you have this required document or proof: Pre-admission papers?

8Document checkDo you have this required document or proof: Hospital bills and receipts?

9Document checkDo you have this required document or proof: Chemist/test receipts?

0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Super Surplus Insurance Policy official Bank of Baroda banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeHealth insuranceView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
Source
Super Surplus Insurance Policy
Page / section
Product title and current official product page
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
InsurerStar Health and Allied Insurance Company LimitedView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
Source
Super Surplus Insurance Policy
Page / section
Product title and current official product page
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Super Surplus plan structureSuper Surplus is a top-up policy that provides higher sum insured than basic plans, with affordable premium, no pre-acceptance medical screening and two options: Silver Plan and Gold Plan.View source
The official Benefits section publishes the top-up structure, plan options and screening requirement.
Source
Super Surplus Insurance Policy
Page / section
Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Super Surplus eligibilityAdults aged 18 to 65 years are eligible. Children can be covered from 91 days to 25 years only with their parents. There is no exit age and renewals continue for life.View source
The official Eligibility section publishes adult, child, parent-cover and renewal conditions.
Source
Super Surplus Insurance Policy
Page / section
Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Premium scheduleThe Star Health prospectus attaches age- and family-size-based premium charts (excluding tax) for the Gold and Silver plans. One-year Silver premiums are ₹1,165-₹4,900 for ₹7 lakh/₹10 lakh sum insured with a ₹3 lakh deductible. One-year Gold premiums run from ₹920 to ₹19,325 across the ₹5 lakh-₹1 crore sum-insured options and defined limits of ₹5 lakh or ₹10 lakh. Two-year Silver premiums are ₹2,214-₹9,310; two-year Gold premiums run from ₹2,325 to ₹36,720 across the published defined-limit schedules. A 5% online-purchase discount applies to the first purchase; a 5% two-year discount applies only when the full two-year premium is paid in advance, and instalment loading is 3% quarterly or 2% half-yearly.Effective 1 Jan 2024View source
The prospectus labels the schedules '1 YEAR PREMIUM CHART (Excluding Tax)' and '2 YEAR PREMIUM CHART (Excluding Tax)' and states the online, long-term and instalment discounts. The exact payable premium depends on the selected age band, family size, plan, sum insured and deductible/defined limit.
Source
Super Surplus Insurance Policy prospectus - V.8 / 2024
Page / section
Pages 6-10 - one-year and two-year premium charts; premium discounts
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Entry ageAdults: 18 to 65 years. Children: 91 days to 25 years, covered only along with parents; there is no exit age and renewals continue for life.View source
The current Bank of Baroda page states adult eligibility from 18 to 65, children from 91 days to 25 years only with parents, and lifelong renewal without an exit age.
Source
Super Surplus Insurance Policy
Page / section
Eligibility
Accessed
26 Aug 2026
Confidence
high
Open official source ↗
Published plan coverage and limitsGold covers hospitalisation room/boarding/nursing, professional and surgical charges, medicines, diagnostics, pacemaker and specified stent costs; emergency ambulance up to ₹3,000 per hospitalisation; air ambulance up to 10% of sum insured for ₹7 lakh-and-above options; pre-hospitalisation up to 60 days and post-hospitalisation up to 90 days; Gold maternity up to ₹50,000 per policy period for a maximum of two deliveries; organ-donor expenses, recharge and listed modern-treatment sub-limits. Silver covers the corresponding hospitalisation and professional expenses, emergency treatment, pre-hospitalisation up to 30 days and post-hospitalisation up to 60 days, with its deductible applying per hospitalisation.Effective 22 Apr 2020View source
The prospectus prints the Gold and Silver benefits, limits and plan differences, including ambulance, maternity and pre/post-hospitalisation periods.
Source
Super Surplus Insurance Policy prospectus
Page / section
Pages 1–4 — Gold Plan and Silver Plan benefits
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Published sum insured and deductible optionsGold Plan: the prospectus lists sum-insured options of ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh with defined-limit options shown in the schedule. Silver Plan: ₹7 lakh sum insured with ₹3 lakh deductible, or ₹10 lakh sum insured with ₹3 lakh deductible. The deductible/defined limit is selected in the policy schedule and cannot be changed at renewal.Effective 22 Apr 2020View source
The prospectus prints the Gold sum-insured schedule and the Silver ₹7 lakh/₹10 lakh options with ₹3 lakh deductibles; it says the chosen defined limit/deductible cannot be changed at renewal.
Source
Super Surplus Insurance Policy prospectus
Page / section
Page 1 — Gold Plan; Page 3 — Silver Plan
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Policy termThe prospectus states that the policy is available for one year and can be renewed. Renewal within the 30-day grace period preserves continuity benefits, but coverage is not available during the grace period.Effective 22 Apr 2020View source
The prospectus states one-year cover, renewable, and a 30-day grace period with no cover during the grace period.
Source
Super Surplus Insurance Policy prospectus
Page / section
Page 1 — What is the policy term; Page 4 — Renewal
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Plan-specific waiting periodsInitial waiting period is 30 days, except for accidents. Pre-existing disease waiting is 36 months for Silver and 12 months for Gold. Specified disease/procedure waiting is 24 months for Silver and 12 months for Gold; the accident exception applies. A 12-month waiting period applies to Gold maternity benefit where that benefit is otherwise payable.Effective 22 Apr 2020View source
The prospectus states the initial, pre-existing disease, specified disease/procedure and Gold maternity waiting periods with their plan-specific exceptions.
Source
Super Surplus Insurance Policy prospectus
Page / section
Pages 1–3 — Exclusions and special conditions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Recharge limitsWhen the sum insured is exhausted or exceeded, one additional recharge is available for the remaining policy period: a ₹3 lakh defined limit gives ₹50,000 recharge, ₹5 lakh gives ₹75,000, and ₹10 lakh gives ₹1,00,000. Unused recharge cannot be carried forward.Effective 22 Apr 2020View source
The recharge table maps ₹3 lakh/₹5 lakh/₹10 lakh defined limits to ₹50,000/₹75,000/₹1,00,000 recharge and says it is available once for the remaining policy period.
Source
Super Surplus Insurance Policy prospectus
Page / section
Page 1 — Gold Plan recharge benefit
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Claims timelines and documentsFor cashless treatment, the insured calls the 24-hour helpline, gives the ID number, presents the company ID card, completes the hospital pre-authorisation form and supplies treatment/cost details; emergency hospitalisation must be notified within 24 hours. Reimbursement requires a completed claim form, pre-admission papers, discharge summary, hospital/chemist/test receipts, doctor receipts, diagnosis certificate and PAN copy. The prospectus requires claim notification within 24 hours, hospitalisation/day-care reimbursement filing within 15 days of discharge and post-hospitalisation reimbursement within 15 days after the applicable 60-day (Silver) or 90-day (Gold) period. Claims are settled or rejected within 30 days of the last necessary document, or within 45 days when investigation is required.Effective 22 Apr 2020View source
The claims section prints cashless and reimbursement steps, 24-hour notification, 15-day filing windows and 30/45-day settlement rules.
Source
Super Surplus Insurance Policy prospectus
Page / section
Page 4 — Claim procedure and claim time limits
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Coded exclusions and waiting rulesThe prospectus publishes the insurer's coded exclusion schedule (Excl 01 onward), including pre-existing disease and specified disease/procedure waiting exclusions, initial waiting, rest cure/rehabilitation, obesity surgery conditions, gender-change treatment, cosmetic surgery, hazardous or adventure sports, breach of law, excluded providers, alcohol/drug abuse, dietary supplements, refractive error below 7.5 dioptres, unproven or experimental treatment, infertility, maternity except the stated Gold benefit, congenital conditions, intentional self-injury, war/nuclear risks, non-allopathic treatment, dental treatment except covered accidental injury and other listed exclusions. The complete policy clause remains the controlling wording.Effective 21 Jun 2023View source
The linked policy clause and prospectus publish coded exclusions and plan-specific waiting rules; the product page itself directs customers to the insurer wording.
Source
Super Surplus Insurance Policy policy clause
Page / section
Pages 2–4 — Exclusions and waiting provisions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsGold covers hospitalisation room/boarding/nursing, professional and surgical charges, medicines, diagnostics, pacemaker and specified stent costs; emergency ambulance up to ₹3,000 per hospitalisation; air ambulance up to 10% of sum insured for ₹7 lakh-and-above options; pre-hospitalisation up to 60 days and post-hospitalisation up to 90 days; Gold maternity up to ₹50,000 per policy period for a maximum of two deliveries; organ-donor expenses, recharge and listed modern-treatment sub-limits. Silver covers the corresponding hospitalisation and professional expenses, emergency treatment, pre-hospitalisation up to 30 days and post-hospitalisation up to 60 days, with its deductible applying per hospitalisation.View source
The manually reviewed product record states: “Gold covers hospitalisation room/boarding/nursing, professional and surgical charges, medicines, diagnostics, pacemaker and specified stent costs; emergency ambulance up to ₹3,000 per hospitalisation; air ambulance up to 10% of sum insured for ₹7 lakh-and-above options; pre-hospitalisation up to 60 days and post-hospitalisation up to 90 days; Gold maternity up to ₹50,000 per policy period for a maximum of two deliveries; organ-donor expenses, recharge and listed modern-treatment sub-limits. Silver covers the corresponding hospitalisation and professional expenses, emergency treatment, pre-hospitalisation up to 30 days and post-hospitalisation up to 60 days, with its deductible applying per hospitalisation.”.
Source
Super Surplus Insurance Policy — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Gold covers hospitalisation room/boarding/nursing, professional and surgical charges, medicines, diagnostics, pacemaker and specified stent costs
  • emergency ambulance up to ₹3,000 per hospitalisation
  • air ambulance up to 10% of sum insured for ₹7 lakh-and-above options
  • pre-hospitalisation up to 60 days and post-hospitalisation up to 90 days
  • Gold maternity up to ₹50,000 per policy period for a maximum of two deliveries
  • organ-donor expenses, recharge and listed modern-treatment sub-limits. Silver covers the corresponding hospitalisation and professional expenses, emergency treatment, pre-hospitalisation up to 30 days and post-hospitalisation up to 60 days, with its deductible applying per hospitalisation.

Eligibility

  • Adults aged 18 to 65 years are eligible. Children can be covered from 91 days to 25 years only with their parents. There is no exit age and renewals continue for life.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Completed claim form
  • Pre-admission papers
  • Hospital bills and receipts
  • Chemist/test receipts
  • Doctor receipts
  • Discharge summary
  • Diagnosis certificate
  • copy
  • Hospital pre-authorisation form for cashless treatment
  • Company card for cashless treatment

Related official documents

Super Surplus Insurance Policy — official Star Health policy clauseofficial-policy-clause · current · accessed 29 Aug 2026
↗
Super Surplus Insurance Policy — official Star Health prospectusofficial-prospectus · current · accessed 29 Aug 2026
↗
Super Surplus Insurance Policy - Star Health prospectus V.8 / 2024official-prospectus · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

One-year Silver · Published premium information₹1,165-₹4,900; ₹3 lakh deductible; ₹7 lakh or ₹10 lakh sum insured; age bands from 91 days-35 through above 80.

This value is copied from Super Surplus - premium schedule summary (excluding tax). Check the table notes before relying on it.

Source: Super Surplus Insurance Policy prospectus - V.8 / 2024 · Pages 6-10 - premium charts Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsSuper Surplus - premium schedule summary (excluding tax)The official prospectus provides complete age-band and family-size premium charts. This comparison table preserves the published schedule groups and ranges; the exact premium is selected from the issuer's chart for the insured person's age, family size, plan, sum insured and deductible/defined limit.View tableHide table

Scroll sideways to view every column

Super Surplus - premium schedule summary (excluding tax)
SchedulePublished premium information
One-year Silver₹1,165-₹4,900; ₹3 lakh deductible; ₹7 lakh or ₹10 lakh sum insured; age bands from 91 days-35 through above 80.
One-year Gold₹920-₹19,325; defined-limit schedules of ₹5 lakh and ₹10 lakh; sum insured columns from ₹5 lakh through ₹1 crore; age bands from 91 days-35 through above 80.
Two-year Silver₹2,214-₹9,310; ₹3 lakh deductible; ₹7 lakh or ₹10 lakh sum insured; age bands are split at individual ages to calculate the two-year premium.
Two-year Gold₹2,325-₹36,720; defined-limit schedules of ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh; sum insured columns from ₹5 lakh through ₹1 crore; age bands are split at individual ages.
Discounts and instalments5% online discount for the first purchase; 5% long-term discount only when the full two-year premium is paid in advance; quarterly instalments add 3% and half-yearly instalments add 2%.
Tax treatmentAll chart amounts are explicitly stated as excluding tax; and any applicable statutory levy must be added to the quoted premium.
  • The prospectus is an issuer-approved premium schedule, not a universal flat premium. Confirm the current quote and policy wording before purchase.
  • The schedule is for the Star Health Super Surplus policy distributed through Bank of Baroda; the insurer may revise premium rates with advance notice under the policy terms.
Super Surplus Insurance Policy prospectus - V.8 / 2024 · Pages 6-10 - premium charts · effective 1 Jan 2024 · accessed 29 Aug 2026Open official source ↗
Table 2 · 8 rows · 2 columnsSuper Surplus Insurance Policy — plan options and published limitsStructured transcription of the prospectus schedules and key numeric terms.View tableHide table

Scroll sideways to view every column

Super Surplus Insurance Policy — plan options and published limits
Plan / areaPublished options or limit
Gold sum insured₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh or ₹25 lakh; defined-limit schedule is printed in the prospectus
Silver sum insured and deductible₹7 lakh with ₹3 lakh deductible, or ₹10 lakh with ₹3 lakh deductible
Recharge₹3 lakh defined limit → ₹50,000; ₹5 lakh → ₹75,000; ₹10 lakh → ₹1,00,000; once for the remaining policy period
Gold hospitalisation extensionsEmergency ambulance ₹3,000 per hospitalisation; air ambulance up to 10% of sum insured for ₹7 lakh-and-above options; pre-hospitalisation 60 days; post-hospitalisation 90 days
Gold maternityUp to ₹50,000 per policy period, maximum two deliveries in the insured person's lifetime, after the stated waiting period
Silver hospitalisation extensionsRoom/boarding/nursing subject to ₹4,000 per day; pre-hospitalisation 30 days; post-hospitalisation 60 days
Policy term and renewalOne year; renewable; 30-day grace period preserves continuity but has no cover
Waiting periodsInitial 30 days except accidents; PED Silver 36 months / Gold 12 months; specified disease Silver 24 months / Gold 12 months
  • The prospectus does not publish one universal premium amount; premium is determined under the insurer's approved schedule and selected plan, sum insured and deductible. Verify the current quotation and policy wording before purchase.
Super Surplus Insurance Policy prospectus · Pages 1–4 — Gold Plan, Silver Plan, exclusions and claim procedure · effective 22 Apr 2020 · accessed 29 Aug 2026Open official source ↗

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