Diabetes Safe from Star Health Insurance is one of the specialised comprehensive health plans available for diabetics. Star Diabetes Safe not only covers several complications related to diabetes but also provides regular medical cover for other ailments.
Features & Benefits of Star Diabetes Safe
The salient features of the policy are listed in the table below. The policy has two sub plans - Plan A and Plan B
| Entry Age | Any diabetic between 18 to 65 years |
| Coverage Type | Individual and Floater (self and spouse) |
| Flexibility | Policyholder cannot switch plans in the middle of the policy term |
| Medical Screening | - 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
- 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
|
| Sum Insured | Rs 3 lakh, 4 lakh, 5 lakh and 10 lakh |
| Sub-limits | No sub-limits for claims under Plan A. For Plan B, there is a sub-limit of Rs. 2 lakh for 3 lakh Sum Insured and 4 lakhs for 10 lakh Sum Insured (Cardiovascular diseases) |
| Advantages | - Pre-hospitalization expenses up to 30 days prior to the date of hospitalization
- Post-hospitalization expenses up to 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs. 5000
- Covers several post-renal transplant complications of the insured
- Covers second transplant owing to failure of the first transplant
- Hospitalisation expenses on donor of kidney for renal transplant surgery
- Automatic restoration of basic Sum Insured by 100% (Floater Policy)
- Cost of artificial limbs due to amputation up to 10% of the Sum Insured
- Over 400 day care procedures
- No third party administrator
- Fast and hassle-free claim settlement
- Network of over 6000 hospitals across India
- 24X7 expert medical consultation
- 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
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| Tax Benefits | As per section 80D of the IT Act, premiums are exempted from taxable income up to Rs.15,000 (individuals) and Rs. 20,000 (senior citizens) |
| Exclusions | - Costs of immune-suppressive drugs
- Diabetes Mellitus Type II
- Diabetic Retinopathy and Diabetic Nephropathy leading to Chronic Renal failure and Diabetic foot ulcer
|
The following table shows the coverage provided under Plan A of the policy
| Coverage | Covers hospitalization for complications arising due to diabetes
(section 1) | Covers hospitalization for all other illnesses
(section 2) |
| Waiting Period | No waiting period | - 30 days (except for accidents)
- 24 months for specified diseases
- 48 months for all pre-existing diseases except Diabetes Mellitus
|
The following table shows the coverage provided under Plan B of the policy
Coverage | Covers hospitalization expenses for Diabetes
(section 1) | Covers hospitalization charges for all other illnesses
(section 2) | |
Waiting Period - 30 days from the date of commencement
- 15 months for cardiovascular system, renal system, diseases of eye and foot ulcer
| - 30 days (except for accidents)
- 24 months for specified diseases
- 48 months for all pre-existing diseases except Diabetes Mellitus
| |
Other Health Insurance Plans from Star Health Insurance
