Super Surplus Insurance Policy
Super Surplus Insurance Policy
Top-up Plan: Get enhanced health coverage at an affordable premium
Recharge Benefit: Get additional indemnity on exhaustion of the Sum Insured at no additional cost
Long-Term Discount: If the policy is opted for a term of 2 years, then 5% premium discount is available
Understand what’s included
GENERAL FEATURE
Policy TermThis policy can be availed for a term of one or two years. |
Lifelong RenewalThis policy provides a lifelong renewal option. |
INDIVIDUAL PLAN (GOLD)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (Single Private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Road AmbulanceAmbulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period. |
Air AmbulanceAir Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 7 lakhs and above. |
Modern TreatmentModern treatment expenses incurred either as an in-patient hospitalisation or day care treatment are payable to the extent of the sub-limits mentioned in the policy clause. |
Delivery ExpensesDelivery expenses including the Caesarean section are covered up to Rs. 50,000/- per delivery to the maximum of two deliveries. This can be availed after a 12 month waiting period. |
Organ Donor ExpensesOrgan transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient. |
Recharge BenefitOn exhaustion of the Sum Insured for the remaining policy period, an additional indemnity is provided once during the policy period up to the specified limits. |
Wellness ServicesWellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Defined LimitDefined limit means the amount up to which the company will not be liable during the policy period. |
AYUSH TreatmentMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
INDIVIDUAL PLAN (SILVER)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (including single standard A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
DeductibleDeductible means the amount up to which the company will not be liable for each and every hospitalisation. |
AYUSH TreatmentMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
FLOATER PLAN (GOLD)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (including single private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Air AmbulanceAir Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 10 lakhs and above. |
Road AmbulanceAmbulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
Delivery ExpensesDelivery expenses including the Caesarean section are covered up to Rs. 50,000/- per delivery to the maximum of two deliveries. This can be availed after a 12 month waiting period. |
Organ Donor ExpensesOrgan transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient. |
Recharge BenefitOn exhaustion of the Sum Insured for the remaining policy period, an additional indemnity is provided once during the policy period up to the specified limits that can be used even for same hospitalisation. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Wellness ServicesWellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. |
Defined LimitDefined limit means the amount up to which the company will not be liable during the policy period. |
AYUSH TreatmentMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
FLOATER PLAN (SILVER)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
DeductibleDeductible means the amount up to which the company will not be liable for each and every hospitalisation. |
AYUSH TreatmentMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.