Star Diabetes Safe Insurance Policy
Objective
This policy is exclusively designed for those suffering from diabetes Mellitus Type II. It aims at covering diabetic patients for hospitalisation bills caused due to some other illness or condition.
Suited for
Any person between 26 and 65 years, diagnosed with diabetes mellitus type II is eligible to buy this policy.
What does it do?
A diabetic policyholder gets a cover for medical expenses for treatments taken as an inpatient. Though, this policy does not cover treatment of diabetes mellitus type II, it covers certain conditions like laser treatment for diabetic retinopathy, treatment for chronic renal failure due to diabetes and treatment of diabetic foot ulcer.
Pros
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.
Cons
This policy does not cover people who have already developed diabetic complications like retinopathy, nephropathy and foot ulcer.
Our View
This is a unique policy serving the needs of diabetic patients. While most other basic health policies may deny cover to diabetics, this policy provides financial respite in case of medical problems caused by ailments other than diabetes. This policy is recommended.
Eligibility
| Entry Age (years) | |
| Minimum | 26 |
| Maximum | 65 |
| Maximum Policy Renewal Age (years) | 70 |
| Coverage Type | Covers Individual diagnosed with Diabetes Mellitus Type II |
| Sum Insured (Rs) | |
| Maximum | 5 lakh |
| Minimum | 50000 |
| Policy Term (years) | 1 |
| Tax Benefit | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act |
| Pre Policy Medical Check Up | Mandatory for all age group |
| Customer Service | |
| Address | Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. |
| Mail to | [email protected], [email protected] |
| Call to | 1800 425 2255/ / 044 2826 3300 |
| SMS | STAR to 56677 |
Additions to the Plan
| Scope Of Cover | |
| Cashless facility | Available at empanelled hospitals in India |
| Re-imbursement | Available at non empanelled network of hospitals |
| In-patient hospitalisation | Covered |
| Room rent and boarding | 2% of sum insured,subject to a maximum of Rs.2500/- per day in Class A cities and Rs 1250 in other cities |
| nursing expenses, Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs | Covered |
| Expenses of kidney organ donor or transplant | Covered; Second transplant in case of failure of first |
| Second transplant in case of failure of first transplant | Covered |
| Post renal complications on insured | Covered |
| Specific Coverage | |
| Eyes | covers Diabetic Retinopathy requiring laser treatment |
| Kidneys | Diabetic Nephropathy leading to chronic renal failure |
| Feet | Diabetic foot ulcer requiring micro-vascular surgical correction |
| Exclusions and Waiting Period | |
| Exclusions | Patients who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot Ulcer.Expenses on treatment of Diabetes Mellitus Type II |
| Annual Premium | |||||||
| Sum Insured (in Rs) | |||||||
| Age (in years) | 50000 | 1 lakh | 2 lakh | 3 lakh | 4 lakh | 5 lakh | |
| 26-35 | 805 | 1140 | 1885 | 2300 | 4655 | 6385 | |
| 36-45 | 990 | 1615 | 2565 | 3135 | 4990 | 6840 | |
| 46-55 | 1235 | 1900 | 3420 | 4180 | 6650 | 9120 | |
| 56-65 | 1485 | 2185 | 3765 | 4600 | 7315 | 10035 | |
| 66-70 | 2225 | 2470 | 4105 | 5020 | 7980 | 10945 | |
| Figures are indicative premium for appropriate sum assured for each age band excluding service tax | |||||||
