Diabetes Safe Insurance Policy
IRDAI UIN : SHAHLIP23081V082223
HIGHLIGHTS
Plan Essentials
Diabetes Cover
Entry Age
Policy Type
Flexible Plan Options
Outpatient Expenses
Automatic Restoration of Sum Insured
Personal Accident Cover
Instalment Options
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
| info | Plan A | Plan B |
|---|---|---|
Pre-Insurance Medical Screening Mandatory |
SECTION I - Hospitalisation for the Complications of Diabetes
| info | Plan A | Plan B |
|---|---|---|
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. | ||
ICU ChargesICU charges at actuals are covered under this policy. | ||
Emergency AmbulanceAmbulance charges for transporting the insured person to the hospital by private ambulance service are covered up to Rs. 2000/- per policy period. | ||
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Special Condition Under Section I
| Plan A | Plan B | |
|---|---|---|
Kidney TransplantationDonor expenses for kidney transplantation are payable if the insured person is the recipient provided the claim for transplantation is payable subject to the availability of the Sum Insured. | ||
Dialysis ExpensesExpenses incurred for dialysis (including AV fistula / graft creation changes) is covered up to Rs. 1000/- per siting. If the insured person diagnosed with Chronic Kidney Diseases then the same are covered for 24 consecutive months.
| ||
Cost of Artificial LimbsExpenses incurred for the cost of artificial limbs following the amputation are covered up to 10% of the Sum Insured. |
SECTION II - Regular Hospitalisation Expenses
| Plan A | Plan B | |
|---|---|---|
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. | ||
ICU ChargesICU charges at actuals are covered under this policy. | ||
Emergency AmbulanceAmbulance charges for transporting the insured person to the hospital by private ambulance service are covered up to Rs. 2000/- per policy period.
| ||
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Special Condition Under Section II
| Plan A | Plan B | |
|---|---|---|
Cataract TreatmentExpenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause. |
SECTION III - Outpatient Expenses
| Plan A | Plan B | |
|---|---|---|
Outpatient ExpensesOutpatient expenses incurred at Network Hospitals or Diagnostic Centres are covered up to the limits mentioned in the policy clause.
|
SECTION IV - Coverage for Modern Treatment
| Plan A | Plan B | |
|---|---|---|
Modern TreatmentExpenses incurred for modern treatments such as Balloon Sinuplasty, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause. |
SECTION V - Personal Accident
| Plan A | Plan B | |
|---|---|---|
Personal Accident CoverOne person is eligible to avail worldwide personal accident cover at no additional cost in case of accidental death. |
STAR HEALTH
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Health Insurance for Diabetic Mellitus
The majority of the population is not aware of Diabetes and co-morbid factors. Diabetes Mellitus or Diabetes is a lifestyle disorder that can often trigger other severe diseases, and it is also known to be a primary cause of heart attacks and can be fatal.
“Over 77 million people have Diabetes in India”- Reported by Medical news today Dated:- 28-July-2021.
Contrary to popular belief, Diabetes is more often becoming common among the younger population as well. There are two types of Diabetes: Type I and Type II Diabetes.
Early detection and constant surveillance are necessary to manage the lifestyle problems that cause Diabetes. With proper medical care, you’ll be able to not only control your sugar levels but also lead a healthy life. However, with extensive medical treatments, huge bills come into the picture, which is why you may need Health Insurance for Diabetic patients. Star Health Insurance offers a Diabetes Safe Insurance Policy, a specialized plan designed for people with a history of diabetes.
Diabetes Safe Insurance Policy
As is evident from its name, Diabetes Safe Insurance Policy will cover you against all expenses incurred on hospitalisation for treatment of Type I or Type II Diabetes and its complications. The plan provides coverage on an individual and family floater basis that requires 24 hours of hospitalisation.
What are the Conditions/Eligibility?
Anyone with Type I or Type II Diabetes in the age group of 18 to 65 years will be considered eligible to buy this insurance plan.
Let us take a deeper look into what the Diabetes Safe Insurance Policy covers.
With this Policy, you get two plan options - Plan A and Plan B.
Plan A - Section 1
Plan B - Section 1
Section 2
Some coverage in common under both the plans
Other coverage under for Plan A and Plan B
Exclusions
Reasons to Choose Diabetes Safe Insurance Policy
Covers hospitalization expenses other than complications of Diabetes also
- Ailments like Cardiovascular Disease, Diseases of the renal system, Diseases of the eye and foot ulcers are covered with no waiting periods in Plan A and a waiting period in Plan B
- Automatic restoration of entire Sum Insured by 100% upon exhaustion of the basic Sum Insured as once during the policy period
- The premium paid is eligible for a relief under section 80D of the Income Tax Act, 1961
- No co-payment at the time of claim
FAQ's
What expenses are covered in Diabetic Insurance?
In the Diabetes Safe Insurance Policy, all the expenses of hospitalizations about the treatment of Diabetic and non-Diabetic conditions are covered.