Plan Overview
The Super Surplus Insurance Policy is a top-up health insurance plan providing enhanced coverage with two plan options: Gold Plan and Silver Plan. It covers individuals and families with comprehensive benefits for hospitalization, treatments, and wellness.
Eligibility
- Age 18 to 65 years for new entrants (renewals allowed beyond 65)
- Economically dependent children (91 days to 25 years) covered with parents
- Family includes self, spouse, and up to 3 dependent children
- No pre-acceptance medical screening needed; past medical records required
Policy Term & Payment
- Policy terms of 1 or 2 years (5% discount on 2-year term)
- Premium payment options: Annual, Biennial, Half-yearly, Quarterly
Plans
Gold Plan
- Sum insured options from Rs. 5 lakhs to Rs. 1 crore
- Coverage begins after exceeding a defined limit on hospitalization expenses
- Includes room rent, surgeon and ICU charges, ambulance and air ambulance, delivery, organ donor expenses, modern treatments, and AYUSH coverage
- Includes pre and post-hospitalization expenses (60 and 90 days, respectively)
- Unique features like E-Medical Opinion and Recharge Benefit for additional indemnity
Silver Plan
- Sum insured options from Rs. 25 lakhs to Rs. 1 crore
- Deductible per hospitalization to activate coverage
- Covers room rent up to Rs. 4,000/day, surgeon fees, diagnostics, pre and post-hospitalization expenses (30 and 60 days)
- Includes modern and AYUSH treatments
- Covers day care procedures with no minimum hospitalization period
Benefits & Features
- Coverage for day care and modern treatment procedures
- Wellness services via mobile app including online doctor chat and health tracking
- Tax benefits under Section 80-D of Income Tax Act
- Long term discounts and online purchase discounts available
- Moratorium period of 60 months for claim non-contestability
Claim Process
- Cashless facility at network hospitals; reimbursement available otherwise
- Intimation within 24 hours for emergencies, 15 days otherwise
- Comprehensive documentation required for claims
- Coordination of claims with multiple policies allowed
Renewals & Cancellations
- Renewable except in cases of fraud or misrepresentation
- 30-day grace period for renewal, no coverage during grace period
- Policyholder can cancel with notice; refund applicable if no claims
- Company can cancel on valid grounds with prior notice
How to Buy
Contact nearest branch or visit official website for purchase
Customer Support
- Dedicated helpline numbers and email support
- Grievance redressal through company and Insurance Ombudsman channels