Star Diabetes Safe Insurance Policy

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Star Diabetes Safe Insurance Policy

	Objective			This policy is exclusively designed for those suffering from diabetes Mellitus Type II. It aims at covering diabetic patients for hospitalisation bills caused due to some other illness or condition.
Suited for			Any person between 26 and 65 years, diagnosed with diabetes mellitus type II is eligible to buy this policy.
What does it do?			A diabetic policyholder gets a cover for medical expenses for treatments taken as an inpatient. Though, this policy does not cover treatment of diabetes mellitus type II, it covers certain conditions like laser treatment for diabetic retinopathy, treatment for chronic renal failure due to diabetes and treatment of diabetic foot ulcer.
Pros			Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.
Cons			This policy does not cover people who have already developed diabetic complications like retinopathy, nephropathy and foot ulcer.
Our View			This is a unique policy serving the needs of diabetic patients. While most other basic health policies may deny cover to diabetics, this policy provides financial respite in case of medical problems caused by ailments other than diabetes. This policy is recommended.
Eligibility
Entry Age (years)
Minimum		26
Maximum		65
Maximum Policy Renewal Age (years)		70
Coverage Type		Covers Individual diagnosed with Diabetes Mellitus Type II
Policy Term (years)		1
Sum Insured (Rs)
Maximum		5 lakh
Minimum		50000
Tax Benefit		Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Pre Policy Medical Check Up		Mandatory for all age group
Customer Service
Address		Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034.
Mail to		support@starhealth.in, info@starhealth.in
Call to		1800 425 2255/ / 044 2826 3300
SMS		STAR to 56677

 

	Scope Of Cover
Cashless facility		Available at empanelled hospitals in India
Re-imbursement		Available at non empanelled network of hospitals
In-patient hospitalisation		Covered
Room rent and boarding		2% of sum insured,subject to a maximum of Rs.2500/- per day in Class A cities and Rs 1250 in other cities
nursing expenses, Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs		Covered
Expenses of kidney organ donor or transplant		Covered; Second transplant in case of failure of first
Second transplant in case of failure of first transplant		Covered
Post renal complications on insured		Covered
Specific Coverage
Eyes		covers Diabetic Retinopathy requiring laser treatment
Kidneys		Diabetic Nephropathy leading to chronic renal failure
Feet		Diabetic foot ulcer requiring micro-vascular surgical correction

 

	Exclusions and Waiting Period
Exclusions		Patients who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot Ulcer.Expenses on treatment of Diabetes Mellitus Type II

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