Star Health Diabetes Plan

Coverage
DOB
(eldest member)
Cover For

Gender :  

Tenure :  

Name
City
Phone
Email

By proceeding you are accepting our term & conditions.

You pay the same as if you were to buy directly from the insurance company

We're on your side - representing you at the insurance company for claims and what not

PolicyX.com WeCare Initiative - A portion of your premium goes for education of underprivileged
- Know More

Portfolio Planning - All our policyholders get one time portfolio planning services through our certified planners for free

Star Health - Diabetes Floater


Diabetes Safe insurance policy - Star Health Insurance Co

The insurance policy offered by Star Health insurance company for diabetics patients fall under individual and floater (self and spouse) coverage type. The plan requires a medical screening totally covered under the plan and provides coverage from day one. If the policy is rejected after the screening, 50% of the medical screening will be charged to the policy seeker.

Salient features of the policy:

Entry Age: Any diabetic between 18 to 65 years

Sum Insured: Rs 3 lakh, 4 lakh, 5 lakh and 10 lakh

Sub-limits: No sub-limits for claims under Plan A. For Plan B, there is a sublimit of Rs. 2 lakh for 3 lakh Sum Insured and 4 lakhs for 10 lakh Sum Insured (Cardiovascular diseases)

Network of over 7800 hospitals across India

Life-long renewals beyond 65 years are offered under this policy.


ELIGIBILITY

Any person between 18 years and 65 years of age who is already living with Diabetes Mellitus can take this insurance.

Guaranteed Lifetime Renewals: Life-long renewals beyond 65 years are offered under this policy.

Tax Benefits: Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period: 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such a cancellation. Free look cancellation is not applicable at the time of renewal.


STAR Advantages of the policy:

No Third Party Administrator - direct in-house claims settlement

Faster and hassle-free claim settlement

Cashless hospitalization

Network of more than 7800 hospitals across India

Facility for maintaining personal health record in electronic format.


What does the policy covers:

Covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes

Policy can be taken on Individual and Floater basis.

Two Plans are available - Plan A and Plan B.

Plan A - Pre-acceptance medical screening is compulsory.

Plan B - There is no pre-acceptance medical screening.

No Waiting Period for Plan A. 15 months waiting period for Plan B

Out Patient expenses - for Medical consultations, Diagnostic tests, medicine and drugs

Compensation for Accidental Death of the chosen insured person

Donor expenses for kidney transplant surgery

Dialysis expenses @ Rs.1000/- per sitting up to 24 months

Cost of artificial limbs due to amputation up to specified limits.

Automatic restoration of entire Sum insured

More than 400 day care procedures covered.

What it doesn't cover:

Costs of immunosuppressive drugs

Diabetes Mellitus Type II

Diabetic Retinopathy and Diabetic Nephropathy leading to Chronic Renal failure and Diabetic foot ulcer


Below is the premium chart for the Diabetes Safe insurance policy.

EXCLUDING SERVICE TAX Premium Rating
Individual Sum Insured Rs.
PLAN B PLAN A
1000000 500000 400000 300000 1000000 500000 400000 300000 Age
in yrs.
Premium Rs.
19060 14660 12745 10195 15465 11895 10340 8270 18-30
21155 16270 14145 11315 16660 12815 11140 8910 31-35
24655 18965 16490 13190 18260 14045 12210 9765 36-40
29520 22705 19740 15790 21665 16665 14490 11590 41-45
35345 27185 23635 18905 28765 22125 19235 15385 46-50
44950 34575 30065 24050 36290 27915 24270 19415 51-55
56540 43490 37815 30250 45145 34725 30195 24155 56-60
79145 60880 52935 42345 58625 45095 39210 31365 61-65
104575 80440 69945 55955 78420 60320 52450 41960 66-70
127190 97835 85070 68055 100800 77535 67420 53935 71-75
163925 126095 109645 87715 125915 96855 84220 67375 76-80
197830 152175 132325 105860 153870 118360 102920 82335 Above 80
Floater (2A) Sum Insured Rs.
PLAN B PLAN A
1000000 500000 400000 300000 1000000 500000 400000 300000 Age
in yrs.
Premium Rs.
27230 20945 18210 14565 22565 17355 15090 12070 18-30
30200 23230 20200 16160 24280 18675 16235 12985 31-35
35215 27085 23550 18840 26540 20415 17750 14200 36-40
42155 32425 28195 22555 31425 24170 21015 16810 41-45
50475 38825 33760 27005 41550 31960 27790 22230 46-50
64210 49390 42945 34355 52310 40235 34985 27985 51-55
80760 62120 54015 43210 64965 49970 43450 34760 56-60
113055 86965 75620 60495 84205 64770 56320 45055 61-65
149385 114910 99920 79935 112500 86535 75245 60195 66-70
181685 139755 121525 97220 144460 111120 96625 77300 71-75
234180 180135 156635 125305 180360 138735 120635 96505 76-80
282620 217400 189040 151230 220285 169450 147345 117875 Above 80
Individual Sum Insured Rs.
PLAN B PLAN A
1000000 500000 400000 300000 1000000 500000 400000 300000 Age
in yrs.
Premium Rs.
21919 16859 14657 11724 17785 13679 11891 9511 18-30
24328 18711 16267 13012 19159 14737 12811 10247 31-35
28353 21810 18964 15169 20999 16152 14042 11230 36-40
33948 26111 22701 18159 24915 19165 16664 13329 41-45
40647 31263 27180 21741 33080 25444 22120 17693 46-50
51693 39761 34575 27658 41734 32102 27911 22327 51-55
65021 50014 43487 34788 51917 39934 34724 27778 56-60
91017 70012 60875 48697 67419 51859 45092 36070 61-65
120261 92506 80437 64348 90183 69368 60318 48254 66-70
146269 112510 97831 78263 115920 89165 77533 62025 71-75
188514 145009 126092 100872 144802 111383 96853 77481 76-80
227505 175001 152174 121739 176951 136114 118358 94685 Above 80
Floater (2A) Sum Insured Rs.
PLAN B PLAN A
1000000 500000 400000 300000 1000000 500000 400000 300000 Age
in yrs.
Premium Rs.
31315 24087 20942 16750 25950 19958 17354 13881 18-30
34730 26715 23230 18584 27922 21476 18670 14933 31-35
40497 31148 27083 21666 30521 23477 20413 16330 36-40
48478 37289 32424 25938 36139 27796 24167 19332 41-45
58046 44649 38824 31056 47783 36754 31959 25565 46-50
73842 56799 49387 39508 60157 46270 40233 32183 51-55
92874 71438 62117 49692 74710 57466 49968 39974 56-60
130013 100010 86963 69569 96836 74486 64768 51813 61-65
171793 132147 114908 91925 129375 99515 86532 69224 66-70
208938 160718 139754 111803 166129 127788 111119 88895 71-75
269307 207155 180130 144101 207414 159545 138730 110981 76-80
325013 250010 217396 173915 253328 194868 169447 135556 Above 80

With the above mentioned facilities and a easy premium plan, the Star Health offers a great deal to its customers. Diabetics being a difficult disease to keep up with, one should not take the risk of not having a health insurance policy in hand. As the Diabetics Floater plan offers benefits to major age groups in the policy, it is surely not to be missed. One can also get a customised plan as per their individual needs and thus have a better look out of their health, but a health insurance policy is a must for all.