STAR HEALTH & ALLIED INSURANCE DIABETES SAFE POLICY DETAILS

 

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Diabetes Safe

Over one-fifth of those suffering from Diabetes the world over are in India and the number is swelling year by year. If left unattended it can severely affect vital organs like eyes and the kidneys, and therefore it needs urgent attention. Treatment for such complications can often burn a hole in your pocket.Protection against such an eventuality is offered by Star Health's diabetes care plan for those affected by Diabetes Mellitus Type II.   Coverage Offered for Specific Conditions Eyes: Diabetic Retinopathy requiring laser treatment. Kidneys: Diabetic Nephropathy leading to chronic renal failure Feet: Diabetic foot ulcer requiring micro-vascular surgical correction   Who can take this Insurance? Any person between 26 years and 65 years of age who is diagnosed with Diabetes Mellitus Type II can take this insurance This limit of 65 years is applicable only for initial entry in to the scheme. Renewals will be accepted up to 70 years Please note that persons who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer are not eligible to take the policy.   Benefits for Type II Diabetics The plan is a trailblazer among health insurance policies in India and Diabetes Care policies in general. Hospitalization Cover Boarding and room charges at 2% of the sum insured subject to a maximum of Rs.2500 per day in Class A cities and Rs.1250 per day in other locations Nursing expenses Surgeon's fees, Consultant's fees and/or Anesthetist fees Cost of blood, oxygen, diagnostic expenses Cost of medicines and drugs   Special Features Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject to availability of sum insured Post-renal transplant complications on the insured person covered Second transplant following failure of the first transplant covered   Pre-Acceptance Medical Screening All applicants will have to undergo a pre-acceptance medical screening at company nominated center   Sum Insured Options The insurance is available for sums of Rs.50,000, Rs.1,00,000, Rs.2,00,000, Rs.3,00,000, Rs.4,00,000 and Rs.5,00,000 Premium in Indian Rupees (Service Tax extra) Sum Insured (in Rs) 26 yrs -35 yrs 36 yrs - 45 yrs 46 yrs - 55 yrs 56 yrs - 65 yrs 66 yrs - 70 yrs 50000 805 990 1235 1485 2225 100000 1140 1615 1900 2185 2470 200000 1885 2565 3420 3765 4105 300000 2300 3135 4180 4600 5020 400000 4655 4990 6650 7315 7980 500000 6385 6840 9120 10035 10945   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.   What cannot be claimed? Expenses on treatment of Diabetes Mellitus Type II Cost of immune-suppressive drugs/ medicines   Claims Procedure Call the 24-hour helpline 1800 425 2255 for assistance Inform the ID number/policy number for easy reference In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital In case of emergency hospitalisation, information to be given within 24 hours after hospitalisation At non-network hospitals, payments must be made upfront and then reimbursement will be effected on the submission of documents   Star Advantages No Third Party Administrator; direct in-house claims settlement Faster & hassle-free claim settlement Cashless hospitalization Network of more than 4600 hospitals across India 24 x7 Toll- free Helpline Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices. Free Health magazines are issued to policy holders at regular intervals   NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office.