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 |
