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A specialized healthcare policy for diabetic patients.
Highlights
Diabetes Cover
Covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes
Flexible Policy Options
Policy can be taken on individual and floater basis
Flexible options
Two plans are available -Plan A and Plan B
Plan Details
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
Out patient expense cover
Out Patient expenses for Medical consultations, Diagnostic tests, medicine and drugs
Accident Cover
Compensation for Accidental Death of the chosen insured person
Automatic restoration
Automatic restoration of entire Sum insured
Day-care procedures cover
All day care procedures covered
Waiting Period Benefits
No Waiting Period for Diabetes and its complications under Plan A and 12 months Waiting period under Plan B
Benefits
Section 1:
Covers Hospitalization expenses due to complications of diabetes. Room, Nursing and Boarding Charges, Surgeons fees, Anesthetist, 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
Instalment Facility: Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).
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:
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.
Grace Period for renewal:
30 days from date of expiry of policy.
Star Advantages
No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Cashless hospitalization.
Network of more than 10200+ hospitals across India.
Covered all day care treatment
All day care procedures covered
Upto 60 days
upto 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs 5000/- per hospitalization whichever is less
Upto 30 days
upto 30 days prior to the date of hospitalization.
Not Covered
No complimentary access to doctors in company network through a call
10200+ hospitals to serve you
Largest Network of 10200+ hospitals to serve you
Not Covered
No cover for emergency evacuation services
Not Covered
No cover for Worldwide emergency evacuation services
Family Covered in this Policy
Policy can be taken on individual and floater basis
Covered as per the Plan
Expenses related to the treatment of a pre existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with insurer\\n
Up to specified limits
Covers Hospitalization expenses due to complications of diabetes. Room, Nursing and Boarding Charges, Surgeons fees, Anaesthetist, Drugs and medicines
Entire Sum insured
Automatic restoration of entire Sum insured
Not Covered
This plan doesn't provide coverage for maternity & related claims
Not Covered
No wellness factors are included
Not Covered
This plan doesn't provide any complimentary access to a Health Assessment Report
