Star Health Diabetes Plan

Coverage
DOB
(eldest member)
Cover For

Gender :  

Tenure :  

Name
City
Phone
Email

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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. Under Plan A only, pre-medical screeing required. 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

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