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Special Health Insurance Policy for Diabetes Patients (Star health and Allied Insurance Company)
Salient Feature
This insurance is for persons who are already known to suffer from Diabetes Mellitus Type II If the person who is already suffering from Diabetes Mellitus Type II develops further complications namely :
1. Diabetic Retinopathy requiring laser treatment.
2. Diabetic Nephropathy leading on to Chronic Renal Failure.
3. Diabetic Foot Ulcer requiring micro vascular surgical correction.

The policy responds by paying for the cost of treatment.
Any person between 26 years and 65 years of age who is already suffering from Diabetes Mellitus Type II can take this insurance. Renewals will be accepted up-to 70
Scope of cover / Benefits
  • If the person who is already suffering from Diabetes Mellitus Type II develops further complications namely.
  • Diabetic Retinopathy requiring laser treatment.
  • Diabetic Nephropathy leading on to Chronic Renal Failure.
  • Diabetic Foot Ulcer requiring micro vascular surgical correction the policy responds by paying for the cost of treatment
  • Hospitalization Cover: This would protect the Insured Person for in-patient hospitalization expenses for a minimum of 24 hours.
  • However for Dialysis and laser procedure this minimum 24 hours will not apply.
  • Boarding and Room charges at 2% of the sum insured subject to a maximum of Rs2500 per day in Class A cities and Rs1250 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
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
The policy covers the cost of treatment up to the limit provided.
Premium Rates / Chart
Sum Insured in Rs/Age 26yrs-35yrs 36yrs-45yrs 46yrs-55yrs 56yrs-65yrs 66yrs-70yrs
Rs50000 805 990 1235 1485 2225
Rs100000 1140 1615 1900 2185 2470
Rs200000 1885 2565 3420 3765 4105
Rs300000 2300 3135 4180 4600 5020
Rs400000 4655 4990 6650 7315 7980
Rs500000 6385 6840 9120 10035 10945
Terms & Conditions
1. Every notice or communication to be given or made under this policy shall be delivered in writing at the address as shown in the schedule.
2. Organ transplant on the Insured Person shall satisfy the requirements of the Transplantation of Human Organs Act of 1994.
3. The premium payable under this policy shall be payable in advance. No receipt of premium shall be valid except on the official form of the company signed by a dyly authorized official of the company. The due payment of premium and the observance and fulfillment of ther terms, provision. Condition and endorsements of the this policy by the Insured Person, in so fas as they relate to anything to be done or complied with by the Insured person. Shall be a conditions precedent to any liability of the company to make any payment under this policy. No waiver of any terms, provisions, conditions and endorsements of this policy shall be valid unless made in writing and signed by an authorized official of the Company.
4. The Insured Person shall obtain and furnish the Company with all original bills, receipts and other documents upon which a claim is based and shall also give Company such additional information and assistance as the Company may require in dealing with the claim.
5. Any medical practitioner authorized by the company shall be allowed to examine the Insurance Person in case of any alleged covered diseases/conditions requiring Hospitalisation when and as often as the same may reasonably be required on behalf of the Company.
Important Note : This insurance is available to persons between 26 years and 65 years of age. Renewal of insurance is available up-to 70 years of age. The Policy Schedule and any Endorsement are to be read together and any word or such meaning wherever it appears. The terms conditions and exceptions that appear in the policy or in any Endorsement are part of the contract and must be complied with. Failure to comply may result in the claim being denied.
Note:Please refer to the policy documents for the complete list of Diabetes Safe Insurance Policy subject to the insurance Company.
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