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| Star Health Diabetes Safe Insurance Policy - Prospectus |
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| Diabetes Safe Insurance Policy |
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| Diabetes Safe Insurance policy provides for payment of hospitalization expenses for treatment as an in-patient for three named complications of Diabetes Mellitus Type II. |
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| What is unique about this insurance? |
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- This insurance is for persons who are already known to suffer from Diabetes Mellitus Type II
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| What is the cover offered under this insurance? |
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- 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
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| What are the heads of expenses payable under the insurance? |
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- 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
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| What are the sum insured options available? |
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- The insurance is available for sum insured of Rs50,000/-, Rs100,000/-, Rs.200,000/-, Rs300,000/-,Rs.400,000/- and Rs.500,000/-.
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| Apart from insurance benefits what are the non-insurance benefits available under
this insurance? |
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- 24 hour help-line
- Company’s web-enabled services giving health tips to customers
- Free General physician advice
- Cashless facility if the treatment is taken in any network hospital
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| Who can take this insurance? |
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- Any person between 26 years and 65 years of age who is already suffering from Diabetes Mellitus Type II can take this insurance
- This limit of 65 years is for entry level into this scheme only. Renewals will be accepted up-to 70 years.
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| Is there any Pre-Acceptance Medical screening? |
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- Yes. All proposers have to undergo pre-acceptance medical screening at the Company nominated centers.
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| What are the exclusions under the policy? |
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- Where a person has already developed the complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal Failure and/or Diabetic Foot Ulcer the policy will not offer protection in respect such complication/s.
- Expenses on treatment of Diabetes Mellitus Type II
- Naturopathy treatment
- Expenses which are purely diagnostic in nature with no positive existence of any disease
- Expenses incurred for treatment of diseases/illness by systems of medicines other than Allopathic
- Expenses which are mainly cosmetic in nature, plastic surgery of any kind
For a detailed list of exclusions please refer policy conditions.
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