DIABETES SAFE POLICY

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Who Can Take This Insurance?

Any person between 18years and 65 years of age who is already living with Diabetes Mellitus can take this insurance

No exit age

Policy is available on Individual and as well as Floater basis

Floater refers to family of 2-Self and Spouse

Policy Benefits

Covering any complications of Diabetes from day one.

Also provide regular hospitalization cover for all other ailments/injuries.

Pre Hospitalization expenses upto 30 days prior to the date of hospitalization.

Post Hospitalization expenses upto 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs 5000/- per hospitalization whichever is less

Pre-medical examination:

Applicable for Plan A

Not Applicable for Plan B.

Coverage :

Plan A

(with medical examination)

Plan B

(without medical examination)

CoverageCovers hospitalization for complications of DiabetesCovers hospitalization for all other ailmentsCovers hospitalization for complications of DiabetesCovers hospitalization for all other ailments

Waiting PeriodNo waiting period1) 30 days (except for accidents).

2) 24 months for specified illness / diseases / treatment.

3) 48 months for all pre-existing diseases except Diabetes Mellitus.1) 30 days from the date of commencement.

2) 15 months - Cardiovascular system, Renal system, Diseases of eye and foot ulcer.1) 30 days (except for accidents).

2) 24 months for specified illness / diseases / treatment.

3) 48 months for all pre-existing diseases except Diabetes Mellitus.

Special Features:

Automatic Restoration of Basic Sum Insured by 100%.

Note : This benefit is not available for Floater Policy

Cost of artificial limbs due to amputation up-to 10% of Sum Insured if a claim for such amputation is admissible under the policy.

More than 400 day care procedures.

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 cancellation. Free look cancellation is not applicable at the time of renewal.

Star Advantages

No Third Party Administrator, direct in-house claim settlement.

Faster and hassle free claim settlement.

Cashless hospitalization.

Network of more than 6000 hospitals across India.

Free expert medical consultation over phone 24X7 Toll free helpline.

Maintain personal health records in electronic format.