Star Allied Diabetes Safe Health Insurance Plan

Product Overview

Star-Diabetes Safe Health Insurance Plan is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required, except for day care treatments.

Unique Features of Star Allied Diabetes Safe Health Insurance Plan

• No waiting period for Diabetes complication
• Some ailments are covered after 15 months like Cardiovascular system, Renal system, Diseases of eye and foot ulcer
• Automatic restoration of entire Sum insured by 100%
• This plan does not have any Co-payment at the time of claim.

Critical features of Star Allied Diabetes Safe Health Insurance Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses

1. Section 1-Standard Single A/c room
2. Section 2 - 1.5% of the Sum Insured or maximum Rs 8500/- per day

• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured

1. This plan does not have co payment clause
2. Sum Limit on Cataract Sum Insured 3 Lacs to 5 Lacs-20,000/- per person not exceeding Rs 30,000/- per policy year
3. Sum Limit on Cataract Sum Insured 10 Lacs-30,000/- per person not exceeding Rs 40,000/- per policy year
4. Sum Limit on Cardiovascular system on Plan B as mentioned in below table
   SI 3 Lacs - Max Liability - 2 Lacs
   SI 4 Lacs - Max. Liability - 2.5 Lacs
   SI 5 Lacs - Max. Liability - 3 Lacs
   SI 10 Lacs - Max. Liability - 4 Lacs

• No Claim Bonus:
  Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
  This plan does not have no-claim benefit
• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plans has a waiting period of 4 years is case of pre-existing diseases (Execpt Diabetes Mellitus)

Eligibility Criteria

• Minimum Age of Entry:- 18 years
• Maximum age of Entry:- 65 years
• Renewal Age:- Life Long Renewal
• Sum Insured:- Rs. 3 lakhs to 10 lakhs
• Policy Tenure:- 1 year
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 15 Months:
  Cardiovascular system, Renal system, Diseases of eye and foot ulcer.
• Covered after 2 Years:
  Cataract, degenerative disc of vertebral diseases and prolapse of intervertebral disc (other than caused by accident), varicose veins and varicose ulcers, benign prostatic hypertrophy, deviated nasal septum, sinusitis Tonsillitis, Nasal polyps, Chronic Supparative Otitis Media and related disorders, hernia, hydrocele, fistula / fissure in ano and haemorrhoids congenital internal disease/defect,All treatments for Hepatobilary Gall Bladder and Pancreatic stones and Genito-urinary calculi,All treatments for Uterine prolapse, Dysfunctional Uterine Bleeding, Fibroids, Pelvic Inflammatory Diseases, all diseases of fallopian tubes and ovaries,Arthroscopic repair and removal

Exclusions

• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Medical expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
• Congenital disease
• Tests and treatment relating to infertility and in vitro fertilization.
• War, riot, strike, nuclear weapons induced hospitalization.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenes,dental treatment
• Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

 

Note: Any claims arising out of or attributable to any of the following is not covered

Tax Benefits

The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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