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Diabetes Safe Insurance Policy

  • Covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes
  • Policy can be taken on Individual and Floater basis.
  • Two Plans are available – Plan A and Plan B.
  • Plan A – Pre-acceptance medical screening is compulsory.
  • Plan B – There is no pre-acceptance medical screening.
  • No Waiting Period for Plan A. 15 months waiting period for Plan B.
  • Out Patient expenses – for Medical consultations, Diagnostic tests, medicine and drugs
  • Compensation for Accidental Death of the chosen insured person   
  • Donor expenses for kidney transplant surgery
  • Dialysis expenses @ Rs.1000/- per sitting up to 24 months
  • Cost of artificial limbs due to amputation up to specified limits.
  • Automatic restoration of entire Sum insured
  • More than 400 day care procedures covered. 

IRDAI/HLT/SHAI/P-H/V.III/173/2016-17

Recharge Benefit

Section 1:

Covers Hospitalization expenses due to complications of diabetes. Room, Nursing and Boarding Charges, Surgeons fees, Anaesthetist, Drugs and medicines

Section 2 :

Covers Hospitalization expenses for other than  complications of diabetes.

Section 3:

Out-Patient Expenses :  Medical Consultation, Expenses for Diagnostic tests up to specified limits

Section 4:

Personal Accident : Compensation for Accidental Death of the chosen insured person    @ 100% of the health sum insured opted

Eligibility

Any person between 18years and 65 years of age who is already living with Diabetes Mellitus can take this insurance.
    

General Terms

Tax Benefits

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free Look Period

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such a cancellation. Free look cancellation is not applicable at the time of renewal.

 

Guaranteed Lifetime Renewals

Life-long renewals beyond 65 years are offered under this policy.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Star Advantage

  • No Third Party Administrator - direct in-house claims settlement
  • Faster and hassle-free claim settlement
  • Network of more than 8200+ hospitals across India
  • Facility for maintaining personal health record in electronic format.

NOTE:The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477

Premium Chart

Premium Rating EXCLUDING TAX
Sum Insured Rs. Individual

PLAN A

PLAN B

Age in years 300000 400000 500000 1000000 300000 400000 500000 1000000
Premium Rs.
18-30 8270 10340 11895 15465 10195 12745 14660 19060
31-35 8910 11140 12815 16660 11315 14145 16270 21155
36-40 9765 12210 14045 18260 13190 16490 18965 24655
41-45 11590 14490 16665 21665 15790 19740 22705 29520
46-50 15385 19235 22125 28765 18905 23635 27185 35345
51-55 19415 24270 27915 36290 24050 30065 34575 44950
56-60 24155 30195 34725 45145 30250 37815 43490 56540
61-65 31365 39210 45095 58625 42345 52935 60880 79145
66-70 41960 52450 60320 78420 55955 69945 80440 104575
71-75 53935 67420 77535 100800 68055 85070 97835 127190
76-80 67375 84220 96855 125915 87715 109645 126095 163925
Above 80 82335 102920 118360 153870 105860 132325 152175 197830
 
Premium Rating EXCLUDING TAX
Floater (2A)

PLAN A

PLAN B

Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in years Premium Rs.
18-30 12070 15090 17355 22565 14565 18210 20945 27230
31-35 12985 16235 18675 24280 16160 20200 23230 30200
36-40 14200 17750 20415 26540 18840 23550 27085 35215
41-45 16810 21015 24170 31425 22555 28195 32425 42155
46-50 22230 27790 31960 41550 27005 33760 38825 50475
51-55 27985 34985 40235 52310 34355 42945 49390 64210
56-60 34760 43450 49970 64965 43210 54015 62120 80760
61-65 45055 56320 64770 84205 60495 75620 86965 113055
66-70 60195 75245 86535 112500 79935 99920 114910 149385
71-75 77300 96625 111120 144460 97220 121525 139755 181685
76-80 96505 120635 138735 180360 125305 156635 180135 234180
Above 80 117875 147345 169450 220285 151230 189040 217400 282620
Premium Rating INCLUDING TAX @ 18%
Sum Insured Rs. Individual

PLAN A

PLAN B

Age in years 300000 400000 500000 1000000 300000 400000 500000 1000000
Premium Rs.
18-30 9759 12201 14036 18249 12030 15039 17299 22491
31-35 10514 13145 15122 19659 13352 16691 19199 24963
36-40 11523 14408 16573 21547 15564 19458 22379 29093
41-45 13676 17098 19665 25565 18632 23293 26792 34834
46-50 18154 22697 26108 33943 22308 27889 32078 41707
51-55 22910 28639 32940 42822 28379 35477 40799 53041
56-60 28503 35630 40976 53271 35695 44622 51318 66717
61-65 37011 46268 53212 69178 49967 62463 71838 93391
66-70 49513 61891 71178 92536 66027 82535 94919 123399
71-75 63643 79556 91491 118944 80305 100383 115445 150084
76-80 79503 99380 114289 148580 103504 129381 148792 193432
Above 80 97155 121446 139665 181567 124915 156144 179567 233439
 
Premium Rating INCLUDING TAX @ 18%
Floater (2A)

PLAN A

PLAN B

Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in years Premium Rs.
18-30 14243 17806 20479 26627 17187 21488 24715 32131
31-35 15322 19157 22037 28650 19069 23836 27411 35636
36-40 16756 20945 24090 31317 22231 27789 31960 41554
41-45 19836 24798 28521 37082 26615 33270 38262 49743
46-50 26231 32792 37713 49029 31866 39837 45814 59561
51-55 33022 41282 47477 61726 40539 50675 58280 75768
56-60 41017 51271 58965 76659 50988 63738 73302 95297
61-65 53165 66458 76429 99362 71384 89232 102619 133405
66-70 71030 88789 102111 132750 94323 117906 135594 176274
71-75 91214 114018 131122 170463 114720 143400 164911 214388
76-80 113876 142349 163707 212825 147860 184829 212559 276332
Above 80 139093 173867 199951 259936 178451 223067 256532 333492
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