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Star Health Diabetes Safe

Diabetes Safe Insurance

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Coverage Type
Date of Birth
    or age      years
Policy Duration:
Policy Start Date:
Policy End Date:

Benefits

  • Covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes
  • Policy can be taken on Individual and Floater basis.
  • Dialysis expenses @ Rs.1000/- per sitting up to 24 months
  • Highlights
  • Benefits
  • Eligibility
  • General Terms
  • Star Advantage
  • Exclusions
  • Two plans are available – Plan A and Plan B
  • Plan A – Pre-acceptance medical examination is required for all persons opting for this plan and Plan B - There is no pre-acceptance medical screening
  • Out Patient expenses – for Medical consultations, Diagnostic tests, medicine and drugs
  • Compensation for Accidental Death of the chosen insured person
  • Donor expenses for kidney transplant surgery
  • Cost of artificial limbs due to amputation up to specified limits.
  • Automatic restoration of entire Sum insured
  • All day care procedures covered
  • No Waiting Period for Diabetes and its complications under Plan A. 12 months Waiting period under Plan B.
Plan A Plan B
All diabetic complications covered from Day 1. Complications involving Cardio-vascular /Renal /Eye/Foot- Ulcer covered from 13th month only.
Medical Screening mandatory No Medical Screening required.
No waiting period for hospitalisation not related to Cardio VascularSystem, Renal System, Diseases of Eye, Diabetic, Peripheral Vascular Diseases and Food Ulcer 30 days Waiting period for hospitalisation not related to Cardio VascularSystem, Renal System, Diseases of Eye, Diabetic Peripheral Vascular Diseases and Food Ulcer
No sub-limit restrictions Sub-limits for cardio-vascular complications
No waiting period for hospitalisation related to Cardio VascularSystem, Renal System, Diseases of Eye, DiabeticPeripheral Vascular Diseases and Food Ulcer 12 month waiting period for hospitalisation related to Cardio VascularSystem, Renal System, Diseases of Eye, Diabetic Peripheral Vascular Diseases and Food Ulcer
Pre Existing Diseases (PED) coverage after 48 months Pre Existing Diseases (PED) coverage after 48 months
  • Any person between 18 years and 65 years of age who is already living with Diabetes Mellitus can take this insurance.
Tax Benefits
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such a cancellation. Free look cancellation is not applicable at the time of renewal.

Guaranteed Lifetime Renewals
  • Life-long renewals beyond 65 years are offered under this policy.

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Network of more than 8200+ hospitals across India.
  • Facility for maintaining personal health records in electronic format.
  • Patients who have already developed complications of Diabetic complications of Diabetic Retinopathy and/or Diabetic Nephropathy.
  • Expenses on treatment of Diabetes Mellitus Type.

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