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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 examination is required for all persons opting for this plan and Plan B - There is no pre-acceptance medical screening
  • No Waiting Period for Diabetes and its complications under Plan A. 12 months Waiting period under 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
  • All day care procedures covered

SHAHLIP18030V041819

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

Co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years

 

Tax Benefits:

Insured Person is eligible for rebate under Section 80-D of the Income Tax Act 1961 in respect of the amount paid by any mode other than cash.

 

Free Look Period:

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

 

Guaranteed Lifetime Renewals beyond 65 years are offered under this policy.

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

 

Grace Period for renewal: 30 days from date of expiry of policy.

Star Advantage

  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle-free claim settlement.
  • Cashless hospitalisation.
  • Network of more than 8400+ hospitals across India.

NOTE:The benefits mentioned herein are only an outline of the policy. Detailed policy terms and conditions can be accessed in our website www.starhealth.in

Premium Chart

Premium Chart  (Excluding Tax)
Policy Type : Individual
Plan PLAN A PLAN B
Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in yrs Premium Rs. Premium Rs.
18-30 6,825 8,535 9,815 12,760 8,670 10,835 12,465 16,205
31-35 7,355 9,195 10,575 13,745 9,620 12,025 13,830 17,985
36-40 8,060 10,075 11,590 15,065 11,215 14,020 16,125 20,960
41-45 9,565 11,955 13,750 17,875 13,425 16,780 19,300 25,095
46-50 12,695 15,870 18,255 23,735 16,070 20,090 23,110 30,045
51-55 16,020 20,025 23,030 29,940 20,445 25,560 29,390 38,210
56-60 19,930 24,915 28,650 37,245 25,715 32,145 36,970 48,060
61-65 25,880 32,350 37,205 48,370 35,995 44,995 51,750 67,275
66-70 34,620 43,275 49,765 64,700 47,565 59,455 68,375 88,890
71-75 44,500 55,625 63,970 83,160 57,850 72,310 83,160 108115
76-80 55,585 69,485 79,910 103880 74,560 93,200 107185 139340
Above 80 67,930 84,910 97,650 126945 89,985 112480 129350 168160
Premium Chart  (Including Tax @ 18%)
Policy Type : Individual
Plan PLAN A PLAN B
Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in yrs Premium Rs. Premium Rs.
18-30 8054 10071 11582 15057 10231 12785 14709 19122
31-35 8679 10850 12479 16219 11352 14190 16319 21222
36-40 9511 11889 13676 17777 13234 16544 19028 24733
41-45 11287 14107 16225 21093 15842 19800 22774 29612
46-50 14980 18727 21541 28007 18963 23706 27270 35453
51-55 18904 23630 27175 35329 24125 30161 34680 45088
56-60 23517 29400 33807 43949 30344 37931 43625 56711
61-65 30538 38173 43902 57077 42474 53094 61065 79385
66-70 40852 51065 58723 76346 56127 70157 80683 104890
71-75 52510 65638 75485 98129 68263 85326 98129 127576
76-80 65590 81992 94294 122578 87981 109976 126478 164421
Above 80 80157 100194 115227 149795 106182 132726 152633 198429
Premium Chart  (Excluding Tax)
Policy Type : Floater (2A)
Plan PLAN A PLAN B
Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
 Age in yrs Premium Rs. Premium Rs.
18-30 9,660 12,075 13,885 18,055 12,020 15,025 17,280 22,465
31-35 10,390 12,990 14,940 19,425 13,335 16,665 19,165 24,915
36-40 11,360 14,200 16,335 21,235 15,545 19,430 22,350 29,055
41-45 13,450 16,815 19,340 25,140 18,610 23,265 26,755 34,780
46-50 17,785 22,235 25,570 33,240 22,280 27,855 32,035 41,645
51-55 22,390 27,990 32,190 41,850 28,345 35,430 40,750 52,975
56-60 27,810 34,760 39,980 51,975 35,650 44,565 51,250 66,630
61-65 36,045 45,060 51,820 67,365 49,910 62,390 71,750 93,275
66-70 48,160 60,200 69,230 90,000 65,950 82,435 94,805 123245
71-75 61,840 77,300 88,900 115570 80,210 100260 115300 149895
76-80 77,205 96,510 110990 144290 103380 129225 148615 193200
Above 80  94,300 117880 135560 176230 124765 155960 179355 233165
Premium Chart  (Including Tax @ 18%)
Policy Type : Floater (2A)
Plan PLAN A PLAN B
Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in yrs Premium Rs. Premium Rs.
18-30 11399 14249 16384 21305 14184 17730 20390 26509
31-35 12260 15328 17629 22922 15735 19665 22615 29400
36-40 13405 16756 19275 25057 18343 22927 26373 34285
41-45 15871 19842 22821 29665 21960 27453 31571 41040
46-50 20986 26237 30173 39223 26290 32869 37801 49141
51-55 26420 33028 37984 49383 33447 41807 48085 62511
56-60 32816 41017 47176 61331 42067 52587 60475 78623
61-65 42533 53171 61148 79491 58894 73620 84665 110065
66-70 56829 71036 81691 106200 77821 97273 111870 145429
71-75 72971 91214 104902 136373 94648 118307 136054 176876
76-80 91102 113882 130968 170262 121988 152486 175366 227976
Above 80 111274 139098 159961 207951 147223 184033 211639 275135
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