Star Diabetes Safe Insurance Policy

Overview

Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with Type 1 and Type 2 diabetes. The plan also covers complications and other illnesses that arise due to diabetes. The plan is offered in two variants:

• Plan A: With pre-policy medical examination
• Plan B: Without pre-policy medical examination

The Star Diabetes Safe Insurance Policy is offered on an individual and family floater basis. Anyone between the ages of 18 to 65 years can avail the benefits of this policy. The Star Health Diabetes Safe Health Insurance Plan integrates multiple benefits to provide the best medical care to diabetes patients, such as automatic restoration of sum insured, personal accident cover, outpatient expenses, ambulance cover, and dialysis expenses. The plan offers sum insured options between INR 3 Lakhs to 10 Lakhs. The Star Health Diabetes Safe Health Insurance Plan provides a lifelong renewability feature; however, changing the plan variant is not allowed, even at the time of renewals.

Benefits of Star Health Diabetes Safe Insurance Plan

Individuals investing in the Star Diabetes Safe Insurance Policy are entitled to a plethora of benefits and features mentioned below:

Non-Diabetes Expense Cover

Star Health Diabetes Safe Insurance Plan covers non-diabetic expenses as well. This feature is applicable for both Plan A and Plan B, wherein expenses incurred for room rent, boarding, nursing, surgeon's fee, consultant's fee, and/or anesthesia fee are covered. Moreover, the cost of blood, oxygen, diagnostic expenses, and ICU charges are also covered. The cost of medicines and drugs, and emergency ambulance charges are available up to Rs. 2,000 per policy period for transportation of the insured to the hospital.

Donor Expenses, Dialysis, and Artificial Limbs Cover

Star Health Diabetes Safe Insurance Plan offers donor expenses for kidney transplantation surgery, dialysis expenses at Rs. 1,000 per sitting (payable for up to 24 months), and the cost of artificial limbs up to 10% of the Sum Insured.

Tax Benefits

All premiums paid towards Star Health Diabetes Safe Health Insurance are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Personal Accident Benefit

Under the personal accident benefit, an individual is entitled to avail of worldwide personal accident cover at no additional cost.

Outpatient Expenses Cover

This feature is available for both Plan A and Plan B variants, wherein the cost of fasting and HbA1C tests are covered once every six months – up to Rs. 750 per event, up to Rs. 1,500 per policy period. Other expenses like medical consultation, diagnostics, medicines, and drugs are covered up to policy limits.

Exclusions

The Star Diabetes Safe Insurance Policy does not cover the following permanent diseases or health conditions:

• Pre-existing diseases (initially)
• Change of gender treatments
• Cosmetic or plastic surgery
• Injuries due to hazardous or adventure sports
• Injuries due to unlawful activities
• Substance abuse/alcoholism

Certain diseases and treatments are covered under this plan after a specific waiting period:

• Pre-existing diseases after 48 months
• Listed ailments after 24 months

In a Nutshell

Individuals can afford a diabetes care health plan at an affordable premium rate without worrying about their finances with the Star Health Diabetes Safe Insurance Policy. It has a plethora of benefits, including outpatient expenses, in-patient and outpatient coverage, a wide range of sum insured options, and the facility to cover yourself and your spouse. With two variants, individuals can choose a plan variant as per their needs. The flexible premium payment mode allows insured individuals to manage their finances and stay protected against diabetes and its medical complications.

Sample Illustrations of Star Health Diabetes Safe Health Insurance Plan

To understand how much premium one needs to pay towards the Star Diabetes Safe Insurance Policy, let us go through the examples below:

Plan A - 1 Adult

Plan B - 1 Adult

Plan A - 2 Adults

Plan B - 2 Adults

Premium is calculated for a 1-year policy term on a yearly premium payment basis, including GST, for a 30-year-old individual.