Star Diabetes Safe Insurance Policy

Star Diabetes Safe Insurance Policy

Star Diabetes Safe Insurance Policy

Age at Entry 18 Years to 65 years
Individual or Floater Available as Individual and as Floater (2A only – Husband or Wife or Both Diabetic )
Who can Buy Special Plan for Diabetic both Type 1 and type 2.
1. Individual Plan – (For individuals who are Diabetic)
2. Floatere Plan – 2A only – Husband and Wife (Either one of them or both of them being Diabetic)
Sum Insured 3 / 4 / 5 / 10 Lac
Sum Insured Enhancement SI can be enhanced on renewal – Subject to company’s discretion – Only when no Claim lodged or Paid – Waiting period will be applied on the enhanced Sum Insured
Policy Period One year
Renewal Guarantee Life Long
Renewal Grace Period 30 days
Section – 2 Regular Hospitalisations – Other than diabetes related
Room Rent, Boarding and Nursing Expenses –
Per day
3 Lac – 4500; 4 Lac – 6000; 5 Lac – 7500; 10 Lac – 8500; (1.5% SI – Max 8500)
Professional Fees Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist Fees – Actual
Other Medical Expenses Anesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic materials, Xray, Diagnostic Imaging, etc – Actual
Ambulance Charges Rs. 2000 per policy year
Pre – Hospitalisaton 30 days prior to the date of hospitalisation – Actual
Post – Hospitalisation 60 days – (7% of nursing expenses, Surgeon/consultant Fees, Diagnostic Charges, Cost of medicines and drugs with Max
Rs. 5000)
Cataract – Sublimit – Paid under Section 2
only
30000 per eye per hospitalisation & 40000 per Policy Period – for 10 Lac SI
20000 per eye per hospitalisation & 30000 per policy Period – for 3/4/5 Lac SI
Section – 1 Hospitalisation related to Diabetes
Room Rent, Boarding and Nursing Expenses –
Per day
Single Standard A/C Room – Actual
Professional Fees Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist Fees – Actual
Other Medical Expenses Anesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic materials, Xray, Diagnostic Imaging, Stent (Bare metal stent/Drug Eluting Cobalt-Chromium/Stainless Steel stent) etc – Actual
Ambulance Charges Rs. 2000 per policy year
Pre – Hospitalisaton 30 days prior to the date of hospitalisation – Actual
Post – Hospitalisation 60 days – (7% of nursing expenses, Surgeon/consultant Fees, Diagnostic Charges, Cost of medicines and drugs with Max
Rs. 5000)
Donor Expenses on Kidney Transplantation Donor Expenses (Screening and Post Donation Complications – Not paid) paid – if Sum Insured Available
Dialysis Expenses (including AV Fistula/Graft
Creation)
upto Rs. 1000 per sitting for 24 consecutive months – on occurance of Chronic Kidney Disease
Cost of Artificial Limbs – on Amputation upto 10% of SI – Paid if the Amputation Surgery hospitalisation claim admitted
Cardio Vascular System, Renal System,
Disease of Eye, Foot ulcer Coverage
For Plan A – Immediate; Plan B – After a waiting period of 15 months
Sublimit for Cardio Vascular Disease No Sublimt for Plan-A; For Plan B – 2Lac-for 3Lac SI; 2.5Lac-for 4 Lac SI; 3 Lac for – 5 Lac SI; 4 Lac for – 10 Lac SI
Section 1 Applicability For Plan A – Immediate; Plan B – After a waiting period of 30 days
Transplant and related Surgery Plan A – Immediate; Plan B – After a waiting periof of 24 months
Section 3 Benefits paid for the expenses at Network Hospital – Pay out forms part of Sum Insured
Setion – 3 – Testing Expenses – For Individual and Floater (Plan A and Plan B) Fasting, Post Prandial and HbA1C tests once in six months Rs. 750 per event – Rs. 1500 per policy year
Section – 3 – Plan A – Individual 3Lac – 1000; 4Lac – 2500; 5 Lac – 3500; 10 Lac – 5500
Section – 3 – Plan A – Floater 3Lac – 2000; 4Lac – 3500; 5 Lac – 5500; 10 Lac – 7500
Section – 3 – Plan B – Individual 3Lac – 500; 4Lac – 2000; 5 Lac – 3000; 10 Lac – 5000
Section – 3 – Plan B – Floater 3Lac – 1500; 4Lac – 3000; 5 Lac – 5000; 10 Lac – 7000
Section – 4 Personal Accident – Death Cover – Accident Cover Sum Insured Equivallent to Health Sum Insured for one Specified
Individual
Day Care Treatment 405 Day Care Procedures Covered
Automatic Restoration – For Individual Policy 100% of Basic SI – on Exhaustion of Basic SI – Can not be used for treatments for which claims already made – Not available on floater
30 days – Waiting Period Any Disease Contracted by the insured; Diabetes related hospitalisation (other than Cardio Vascular System, Renal System, Disease of Eye, Foot Ulcer related hospitalisation) under Plan-B
15 months – Waiting Period Cardio Vascular System, Renal System, Disease of Eye, Foot Ulcer related hospitalisation for Plan-B
24 Months – Waiting Period Like – Cataract, ENT, Thyroid, Prolapse of intervertebral Disc (Non-Accidental), Vericose-veins&Ulcers, Prostate Disease, Hernia, Fistula/Fissure, Congenital Internal Disease, – For full list refer product broucher
48 Months – Waiting Period PEDs – Other than Diabetes related – Declared in Proposal and Endorsed in Policy
Permanent Exclusions Like – Congenital External defects, Dental Treatments(Non-Accidental), Psychiatric treatment, Venereal diseases, Intentional Self Injury, Pregnancy and child birth related, Weight Control, Cosmetic treatments, Plastic Surgery – For full list refer product broucher
Pre Acceptance Medical Screening Not Required – for Plan B; Required – for Plan A
Uncategorized