General Insurance

Super Surplus Policy

Eligibility Criteria

Minimum Entry Age 3 months for child, 18 years for adults
Maximum Entry Age 65 years
 

Highlights

  • A top up policy providing higher sum insured at a very affordable premium.
  • Pre existing diseases covered after 36 months waiting period.
  • No pre acceptance medical screening required.
  • This policy can be taken on Individual basis and also on floater basis.
  • The policy offers 2 plans: Silver and Gold Plan
 

Sum Insured Options for silver plan

Sum insured (Rs) Deductible (Rs)
7 lacs 3 lacs
10 lacs 3 lacs
 

Sum insured options for gold plan

Sum insured (Rs) Deductible (Rs)
5 lacs, 7 lacs and 10 lacs 3 lacs
5 lacs, 10 lacs and 15 lacs 5 lacs
5 lacs, 10 lacs, 15 lacs, 20 lacs and 25 lacs 10 lacs
 

Product Features

Key Features
In-patient hospitalisation

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation up to Single private room, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalization

It covers the medical expenses due to an illness before the insured is hospitalized.
The plan covers pre-hospitalization expenses of up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers post-hospitalization expenses of up to 60 days.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
Silver Plan Gold Plan
Rs. 4,000/- per day Single Standard A/c Room
 

Other Features

Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Emergency ambulance charges up to Rs. 1500/- per policy period in Gold plan. Air ambulance cover up to 10% of sum insured per policy period for sum insured of Rs. 7 lacs and above in gold plan.
Co-Payment

After a insured member turns a certain age, co-payment is applicable. Co-pay is that part of your claim amount, which you have to bear.
10% co pay is applicable after the age of 60 years in Gold Plan.

 

Exclusions

  • Genetic Disorder.
  • Sexually transmitted disease or illness.
  • Artificial Life Maintenance.
  • Mental disorders (including treatments for mental health).
  • Weight loss treatment.
  • Alternative Practice.
  • Recovery Benefit.
  • Congenital external disease.