Star Health’s Diabetes Safe is a health insurance plan which is designed specifically for patients suffering from Type I or Type II diabetes. The plan provides a comprehensive coverage not only for illnesses due to diabetes but also other coverage benefits.
Step 1 – The policyholder chooses the Sum Assured and the members covered.
Step 2 – No medicals are required under the plan.
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.
Shubham buys Diabetes Safe Plan for a Sum Insured of Rs.5 lakhs. He is suffering from Type II diabetes.
Option 1 – he develops a complication and is hospitalized. A kidney transplant is required to be performed. If 2 years has elapsed after the plan has been bought, the transplant costs would be paid.
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.500 for individual and Rs.1500 for floater plan
Sum Insured Rs.4 lakhs - up to Rs.2000 for individual and Rs.3000 for floater plan
Sum Insured Rs.5 lakhs - up to Rs.3000 for individual and Rs.5000 for floater plan
Sum Insured Rs.10 lakhs - up to Rs.5000 for individual and Rs.7000 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.
Diabetes related ailments are not covered in the first 15 months of the plan.
Pre-existing ailments are not covered in the first 4 years of the plan.
Transplant, specific ailments and major surgeries are not covered in the first two 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.