Star Health and Allied Insurance Company limited - Diabetes Safe Insurance

Purchase mode: Online

Options available: Individuals

Renewal Rating: Average as its renewal upto 70 years

Recommendation about Mediclaim: Yes only for Diabetes patients

Product Features:

Parameter

Value

Entry age

26 to 65 years

Renewal

70 Years

Policy tenure

Yearly

Pre existing illness cover

Covered

Cashless Facility

To Network Hospitals

Sum Insured

Rs 50000 to Rs 5 lacs

Family Combination

Individual

Hospitalization cover

Covered

Pre & post hospitalization medical expenses

Covered

Domiciliary treatment

Not Covered

Sub limits

Room Charge, Nursing expenses and Surgeon's fees, Fees of Consultant, Anesthetist and Specialist are also provided etc

 

What does this policy cover

  • Can be availed by people between the age group of 26 to 65 years and are diagnosed with Diabetes Mellitus Type II
  • Hospitalisation expenses on donor of kidney are payable
  • If the first transplant fails, then the expenses of the second transplant is also payable

Exclusions

Even though Diabetes Safe is specifically for diabetic patients, there are exclusions:

  • Patients with already existing complications of eyes, kidney or feet.
  • Treatment of Diabetes Mellitus Type II
  • Cost of immune-suppressive drugs.

Others features of the policy   

  • Post-renal transplant complications of the insured person covered
  • Second transplant following failure of the first transplant covered
  • Hospitalisation expenses on donor of kidney for renal transplant surgery are payable

Illustration showing premium:

No. Of Members (Individual)

Age Group

Premium Sum Insured 3 lacs

1  Adult

36-45

Rs. 3,522

1 Adult

66-70

Rs. 5,640

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