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. | ||
AYUSH Treatment Medical 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. |
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. |
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Diabetes Safe Insurance Policy
Here is some sweet news for people with diabetes! Star Health brings you a Diabetes Safe Insurance Policy that covers not just complications of diabetes (both Type I and Type II) but also regular hospitalisation, Personal Accident, and Outpatient Expenses as well! Star Health Insurance for diabetics is tailored to be one of the most suitable diabetes health insurance options in India.
What is a Diabetes Safe Health Insurance Policy?
The Star Diabetes Safe Health Insurance Policy is specifically designed to offer health coverage for individuals diagnosed with Diabetes Mellitus. This comprehensive Star Mediclaim Health Policy provides immediate coverage for diabetes and its related complications under the Plan A variant, with no waiting period.
The policy is available on both an Individual and Family Floater basis, making it flexible to suit different needs. It covers both Type 1 and Type 2 diabetes patients, ensuring that individuals living with either form of the condition can benefit from this tailored health insurance plan.
Eligibility Requirements
Age Criteria:
- Minimum Entry Age: 18 years
- Maximum Entry Age: 65 years
Policy Basis:
- Individual Basis: Offers Coverage for a single person.
- Floater Basis: Offers Coverage for a family of two members. Both must be diagnosed with diabetes to qualify for the floater option.
Star Health Insurance's diabetes plan is designed to provide financial support to individuals with Type I or Type II Diabetes. Any person with Type I or Type II Diabetes Mellitus aged between 18 years and 65 years can select this health insurance for diabetic patients on an Individual or a Floater basis. The Sum Insured options available under this diabetes insurance plan are Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs, and Rs. 10 Lakhs. This is one of the most suitable health insurance policies for diabetic patients, offering comprehensive coverage.
Living with diabetes requires consistent care, monitoring, and often costly medical treatments. In such situations, having comprehensive health insurance for diabetics can offer much-needed financial support to cover all these expenses. Star Health introduces the best health insurance policy for diabetic patients, an exclusive plan specially designed to cater to the healthcare needs of diabetic individuals. Health insurance for diabetics in India can offer both coverage and mental peace.
There are two plans available under this policy:
Plan A: Pre-acceptance medical examination is required for all persons opting for this plan.
Plan B: No pre-acceptance medical examination is required.
Benefits under both Plans:
Coverages under Section I - Diabetes-Related Hospitalisations:
The Insured can occupy a single standard A/C Room for diabetes-related hospitalisations.
- Pre- and post-hospitalisation expenses are covered for 30 and 60 days, respectively.
- AYUSH treatment expenses are covered up to the Sum Insured.
- Donor expenses for kidney transplantation are payable, provided the claim for transplantation is payable.
- The cost of artificial limbs following amputation is payable up to 10% of the Sum Insured.
- Expenses incurred on dialysis are payable up to Rs.1,000 per sitting for up to 24 consecutive months.
Coverages under Section II - Non-Diabetes Related Hospitalisations:
- The Insured can occupy a single standard A/C Room for hospitalisations.
- Pre- and post-hospitalisation expenses are covered for 30 and 60 days, respectively.
- The expenses incurred towards cataracts are payable up to the limits specified in the schedule.
- AYUSH treatment expenses are covered up to the Sum Insured.
Coverages under Section III - Outpatient Expenses:
- The Cost of Fasting and Post Prandial and HbA1C tests - once every six months – up to Rs.750/- per event, up to Rs.1500/- per policy period.
- Other expenses like medical consultation, other diagnostics, medicines, and drugs are covered up to the limits specified in the policy schedule.
Coverages under Section IV - Modern Treatments:
- It covers the specified limits mentioned in the policy schedule.
Coverages under Section V - Personal Accident for Plan A and Plan B:
- A benefit amount equal to the chosen Sum Insured will be given as a lump sum on the Accidental Death of the Insured person.
If you are looking for health insurance for diabetics in India, this policy stands out due to its wide coverage. It guarantees financial protection against hospitalisation, outpatient consultations, diagnostic tests, and personal accidents, making it the perfect choice for individuals managing diabetes-related health worries.
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. This is why understanding what a diabetes insurance plan is is essential.
‘Over 77 million people have diabetes in India’- Reported by Medical News Today, dated 28 July 28-July-2021. Diabetes can lead to problems such as heart disease, kidney failure, and nerve damage. It is becoming more common among the younger population as well. Health insurance for Type 2 diabetes or Type 1 diabetes ensures that you are covered for any medical emergencies and regular check-ups.
Early detection and constant surveillance are necessary to manage the lifestyle problems that cause diabetes. With proper medical care, you will 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 an insurance plan for Type 1 diabetes or Type 2 diabetes. Star Health Insurance offers a Diabetes Safe Insurance Policy, a specialised plan designed for people with a history of diabetes.
Features of the Star Safe Insurance Policy
- Entry Age: Individuals with Diabetes Mellitus between 18 and 65 years.
- Sum Insured: Rs. 3 lakh, 4 lakh, 5 lakh and 10 lakhs.
- Unlimited Coverage: Plan A has No Sub-Limit Restrictions, while Plan B has Sub-limits for cardiovascular complications.
- Coverage Type: Individual and Floater basis (like self and spouse)
- Medical Screening: This policy has two plans. Plan A requires medical screening and provides coverage from day one. However, Plan B does not require medical screening but offers coverage starting from the 15th month. The company covers 100% of the medical screening expenses if the policy is accepted. However, if the policy is rejected, 50% of the screening cost will be charged.
Reasons to Choose a Diabetes Safe Insurance Policy
Covers hospitalisation 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 the entire Sum Insured by 100% upon exhaustion of the basic Sum Insured at once during the policy period.
- The premium paid is eligible for relief under section 80D of the Income Tax Act, 1961.
- No co-payment at the time of claim.
Advantages
- Pre-hospitalisation expenses up to 30 days before the date of hospitalisation.
- Post-hospitalisation expenses are covered for up to 60 days after discharge, limited to 7% of the hospitalisation costs or a maximum of Rs. 5,000.
- 3.It includes coverage for a second transplant in case the first transplant fails.
- Has a wide network of hospitals across India.
- Covers hospitalisation costs for the kidney donor during renal transplant surgery.
- It covers the cost of prosthetic limbs due to amputation, up to 10% of the Sum Insured.
- Individuals are offered 24/7 expert medical consultation.
- This policy offers multiple post-renal transplant complications for the insured.
- Offers coverage for over 400 daycare treatments and procedures. No third-party administrator
- 10.It offers smooth and hassle-free claim settlement
Key Factors of a Diabetes Safe Insurance Policy
1)Pre-existing Diabetes Coverage: Star’s health insurance for diabetic patients guarantees coverage for diabetes-related complications from the beginning, making it an ideal choice for those getting health insurance with Type 1 diabetes or Type 2 diabetes.
2)Comprehensive Coverage: Star’s health insurance for diabetics covers hospitalisation, outpatient consultations, medications, and diabetes-related complications. It also offers coverage for Type 1 and Type 2 diabetes, making sure individuals get all the treatment required without any tension.
3)Cashless Facility: The health insurance diabetes plan by Star Health allows individuals to avail of cashless hospitalisation at network hospitals.
4)Waiting Period: Star’s health insurance policy for diabetic patients provides two different plans. Plan 1 offers immediate coverage for diabetes-related ailments, while Plan 2 offers a short waiting period.
5)Wide Network of Hospitals: With an extensive list of network hospitals, Star’s health insurance for diabetics in India ensures seamless access to specialised diabetes care, making hospitalisation and treatments hassle-free for individuals.
Exclusions of the Star Diabetes Safe Insurance Policy
Star Health Insurance plans have the following exclusions:
- Pre-existing conditions are not covered until the waiting period is complete.
- Medical conditions arising from alcohol.
- Cosmetic or plastic surgeries, unless they are part of necessary medical treatment.
- Gender reassignment surgeries are not covered under the plan.
- Symptoms resulting from alcohol consumption or drug overdose are excluded.
- Routine medical check-ups are not covered under the plan.
- Unproven or experimental medical treatments.
Health insurance for senior citizens with diabetes
With ageing, dealing with diabetes becomes even more challenging. If in your family any senior person is dealing with diabetes, then finding health insurance for senior citizens with diabetes is a requirement that one cannot ignore. Health insurance for diabetics in India will provide treatment options for several diabetes complications. This could include coverage for heart disease, kidney failure, or nerve damage- common issues among seniors with diabetes. For individuals looking for health insurance for senior citizens with diabetes, Star Health offers tailored coverage to support diabetes management at an older age, guaranteeing quality care and financial safety.
Conclusion
Selecting a diabetes health insurance plan can significantly decrease the financial burden and stress associated with managing diabetes. It is crucial to select an insurance plan for diabetes that offers comprehensive coverage, tailored benefits, and financial protection, ensuring peace of mind for you and your family.
Thus, mitigate the economic burden of diabetes management, ensure continuous treatment, and safeguard your savings with the Star Diabetes Safe Insurance Policy – a reliable and comprehensive solution for diabetes management. This policy could be considered one of the best health insurance policies for diabetics in India, specifically tailored to meet the needs of diabetic patients.
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.
Reasons to Choose a Diabetes Safe Insurance Policy
Covers hospitalisation 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 the entire Sum Insured by 100% upon exhaustion of the basic Sum Insured 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
Related Health Insurance Products
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in