Star Diabetes Safe Insurance Plan

Individual with Diabetes Mellitus between 18 to 65 years

Individual and Floater (self and spouse)

Policyholder cannot switch plans in the middle of the policy term

1. Plan A requires medical screening and provides coverage from day one. Plan B does not require medical screening but provides cover only from the 15th month
2. Medical screening costs are absorbed 100% by the company, provided the policy is accepted. If the policy is rejected, 50% of the medical screening will be charged

Rs. 3 lakh, 4 lakh, 5 lakh and 10 lakh

1. For sum insured between Rs.3 lakh and Rs.5 lakh, Rs.20,000 per eye per person and Rs.30,000 per policy period.
2. For sum insured of Rs.10 lakh, Rs.30,000 per eye per person and Rs.40,000 per policy period.

1. For sum insured of Rs.3,00,000, the maximum liability per policy period of the company is Rs.2,00,000.
2. For sum insured of Rs.4,00,000, the maximum liability per policy period of the company is Rs.2,50,000.
3. For sum insured of Rs.5,00,000, the maximum liability per policy period of the company is Rs.3,00,000.
4. For sum insured of Rs.10,00,000, the maximum liability per policy period of the company is Rs.4,00,000.

1. Pre-hospitalization expenses up to 30 days prior to the date of hospitalization
2. Post-hospitalization expenses up to 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs. 5000
3. Covers several post-renal transplant complications of the insured
4. Covers second transplant owing to failure of the first transplant
5. Hospitalisation expenses on donor of kidney for renal transplant surgery
6. Automatic restoration of basic Sum Insured by 100% (Floater Policy)
7. Cost of artificial limbs due to amputation up to 10% of the Sum Insured
8. Over 400 day care procedures
9. No third party administrator
10. Fast and hassle-free claim settlement
11. Network of over 6000 hospitals across India
12. 24X7 expert medical consultation
13. Personal health records in electronic format Free look period of 15 days for reviewing the policy. If the policyholder seeks cancellation, the company will refund premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and risk premium among others

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.

1. Costs of immune-suppressive drugs
2. Diabetes Mellitus Type II
3. Diabetic Retinopathy and Diabetic Nephropathy leading to Chronic Renal failure and Diabetic foot ulcer