Star Health and Allied Insurance presents a policy that helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications
Coverage Offered for Specific Conditions
- Eyes: Diabetic Retinopathy requiring laser treatment
- Kidneys: Diabetic Nephropathy leading to chronic renal failure
- Feet: Diabetic foot ulcer requiring micro-vascular surgical correction
- The policy covers the cost of treatment up to the limit provided
Diabetes Benefits
- Hospitalization Cover
- Boarding and room charges at 2% of the sum insured subject to a maximum of Rs.2500 per day in Class A cities and Rs.1250 per day in other locations
- Nursing expenses
- Surgeon's fees, Consultant's fees and/or Anesthetist fees
- Cost of blood, oxygen, diagnostic expenses
- Cost of medicines and drugs
Special Features
- Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject to availability of sum insured
- Post-renal complications on the insured person covered
- Second transplant following failure of the first transplant covered
Pre-Acceptance Medical screening
- All applicants will have to undergo a pre-acceptance medical screening at company nominated center
Sum Insured Options
- The insurance is available for sums of Rs.50,000, Rs.1,00,000, Rs.2,00,000, Rs.3,00,000, Rs.4,00,000 and Rs.5,00,000
Premium in Indian Rupees (Service Tax 10.30% extra)
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Claim Procedure
- Call the Star Health 24 hour help-line to register the details of hospitalization.
- Kindly mention your Star Health ID number for easy access to your policy details.
- In case of a planned hospitalization, please register 24 hours prior to admission to the hospital
- In case of emergency hospitalization, please register within 24 hours of hospitalization
- In all network hospitals, the cashless facility on payments can be availed
- For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents.
Exclusions
- Patients who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer
- Expenses on treatment of Diabetes Mellitus Type II (A detailed list of exclusions is available in the policy conditions document)
Eligibility
- Any person between 26 years and 65 years of age who is diagnosed with Diabetes Mellitus Type II can take this insurance
- This limit of 65 years is applicable only for initial entry in to the scheme. Renewals will be accepted up to 70 years
Non-insurance Benefits
- 24-hour Help Line for customers
- Cashless facility if the treatment is taken in any network hospital
- Free General Physician advice
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