Diabetes Safe Insurance Policy
Diabetes Safe from Star Health Insurance is one of the specialised comprehensive health plans exclusively designed to cover medical expenses incurred by a person due to diabetes. Star Diabetes Safe not only covers several complications related to diabetes but also provides regular medical cover for other ailments, personal accident and outpatient expenses.
You don’t have to pay even a single paisa from your own pocket in more than 7900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.
Covers hospitalization expenses not just for complications of Diabetes (for both type 1 and type 2) but also covers regular hospitalization, personal accident and Outpatient expenses
Expenses incurred on dialysis (inclusive of AV fistula /graft creation charges) are payable up-to Rs.1,000/- per sitting is payable for up to 24 consecutive months commencing from the policy year in which Chronic Kidney disease occurs.
You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge (max upto 7% or Rs.5000). This list may include follow-up visits, medication, diagnosis… etc.,
Insurance company will pay for more than 405 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.
You can cover the expenses incurred as an outpatient towards medical consultation in network hospitals up to the limits mentioned in the terms.
You can claim upto Rs. 2000 per policy period - spent on ambulance charges from one Hospital to another Hospital. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.
If an insured person sustain any bodily injury from an accident, at any time during period of Insurance and if such accident causes death, then the company shall pay an amount as compensation
You can cover hospitalization expenses of the organ donor in case of kidney transplantation where the insured person is recipient.
You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.
Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.
Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.
Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.
The expenses needed for the tratment/ surgery of any diabetes type I or II related disease. The coverage may vary according to the type of plan chosen.
Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.
There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor
Outpatient department (OPD) expenses, such as diagnostics tests, chemist bills, doctor's visit fees, dental treatment, medical bills etc, form a major portion of total healthcare cost these expenses are called OPD expenses
Dialysis is used during end-stage kidney failure to replace the functions of the kidneys -- including waste removal and regulation of blood levels of potassium and sodium. The expenses for this treatment are dialysis expenses
Accidental death benefit is the amount paid to the insured in case of death strictly due to accident. It typically excludes such things as acts of war, death caused by illegal activities, etc. Hazardous hobbies in which the insured regularly engages are generally specifically excluded as well.
Hi Dr. Kamalakar Sai, I am looking for a Health Insurance cover. Can you please brief me about this product
This plan covers both Type 1 and Type 2 diabetes with various additional features. The plan comes in two variants of Plan A and Plan B. In other policies companies will reject the policy through medical screening if you suffer Diabetes Mellitus or even if you are given the policy Diabetes is usually categorized as a pre-existing illness and is exempted . But in this policy ccoverage on diabetes starts immediately. Give it a thought if you are already siffering from Diabetes.
Thank you so much for your help...
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Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.
Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited
Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.
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