Super Surplus Policy (2009-10)
It offers coverage much larger than the ones offered by basic plans. This
Major Product Features
- The policy offers the benefits of wider protection at a lesser price. This policy is available on individual basis and also on floater basis, covering the entire family
- Family means two adults and two children (children economically dependant and up to 25 years)
Policy Benefits
- Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day
- No ceiling on ICU, medicine, diagnostic charges or consultation fee
- Nursing expenses
- Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees
- Cost of medicines and drugs
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Eligibility
- Any person aged between 5 months and 60 years can take this insurance up to a maximum sum insured of Rs10,00,000/-
- Renewals granted up to 75 years
Policy Premium (Individual Basis) (Service Tax extra)
| Sum Insured (Rs.) | Compulsory Deductible for each and every Hospitalization (Rs.) | Premium (Rs.) |
| 7,00,000/- | 3,00,000/- | 3,000/- |
| 10,00,000/- | 3,00,000/- | 4,000/- |
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Policy Premium (Family Floater Basis) (Service Tax extra)
| Sum Insured (Rs.) | Compulsory Deductible for each and every Hospitalization (Rs.) | Premium (Rs.) |
| 10,00,000/- | 3,00,000/- | 5,700/- |
| 10,00,000/- | 5,00,000/- | 4,300/- |
Exclusions
- Expenses for the treatment of any illness/diseases/condition which is pre-existing
- Treatment of illness/diseases/sickness contracted by the insured person during the first 30 days from the commencement date of this policy
- Naturopathy treatment
- Expenses which are purely diagnostic in nature, with no positive existence of any disease
- Expenses incurred for non-allopathic treatment
- Treatment of congenital diseases/defects/anomalies
- Expenses which are mainly cosmetic in nature
Note:- For a detailed list of exclusions, refer policy conditions.
