Star Health’s Diabetes Safe is designed for people suffering from Type I and Type II Diabetes Mellitus. The plan not only covers ailments caused due to diabetes, it also covers normal hospitalization, outpatient expenses and accidental death.
Step 1 – The policyholder chooses the Sum Assured and the members covered.
Step 2 – The insured has to undergo medical check-ups before the plan is issued. The cost of the expenses is borne by the insurance company.
Step 3 – If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.
Step 4 – If the plan matures and no medical contingencies occur, no benefit is paid.
Rahul buys Diabetes Safe Plan for himself and his wife for a Sum Insured of Rs.5 lakhs. He is suffering from Type I diabetes.
Option 1 – His wife faces a heart related complication and is hospitalized. The plan pays claims up to Rs.3 lakhs for the treatment of heart related ailment suffered by Rahul’s wife.
Option 2 – if the plan matures and there were no complications, no benefit would be paid by the plan.
|Room rent, boarding and nursing expenses||Single Private AC room up to 1.5% of the Sum Insured to a maximum of Rs.8500/day|
|Ambulance cover||Up to Rs.2000 per policy period|
|Pre hospitalization||Up to 30 days|
|Post hospitalization||Up to 60 days|
|Day care procedures||405 procedures are covered|
|Outpatient expenses||Cost of blood tests – up to Rs.750/instance up to Rs.1500 per policy period
Other expenses as per Sum Insured:
Sum Insured Rs.3 lakhs – up to Rs.1000 for individual and Rs.2000 for floater plan
Sum Insured Rs.4 lakhs - up to Rs.2500 for individual and Rs.3500 for floater plan
Sum Insured Rs.5 lakhs - up to Rs.3500 for individual and Rs.5500 for floater plan
Sum Insured Rs.10 lakhs - up to Rs.5500 for individual and Rs.7500 for floater plan
|Organ donor expenses||Covered for kidney transplant surgeries|
|Dialysis expenses||Rs.1000/sitting up to 24 months|
|Cataract surgery expenses||Sum Insured Rs.3-5 lakhs – up to Rs.20,000/eye per person and Rs.30,000 per policy period
Sum Insured Rs.10 lakhs – Rs.30,000/eye per person and Rs.40,000 per policy period
|Artificial limbs due to amputation||Up to 10% of Sum Insured|
|Cardiovascular ailments||Sum Insured Rs.3 lakhs – Rs.2 lakhs
Sum Insured Rs.4 lakhs – Rs.2.5 lakhs
Sum Insured Rs.5 lakhs – Rs.3 lakhs
Sum Insured Rs.10 lakhs – Rs.4 lakhs
|Age at entry (in completed years)||18 years||65 years|
|Premium paying options||Single pay|
|Sum Assured||Rs.3,4,5 and 10 lakhs|
Illnesses suffered during the first 30 days of the plan commencement are not covered.
Pre-existing ailments are not covered in the first 4 years of the plan.
Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.
Treatments like dental treatments, cosmetic treatments, artificial life support, weight loss treatments, etc. are not covered.
Below are the sample rates of premium payable by a non-smoking male living in Mumbai for different combinations of age and members covered. The policy is taken for 1 year and the Sum Inusred is Rs.5 lakhs.