TOLL FREE NUMBER- 1800 425 2255/1800 102 4477

1800 425 2255/1800 102 4477

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Diabetes Safe Insurance Policy

  • 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. 

IRDAI/HLT/SHAI/P-H/V.III/173/2016-17

Recharge Benefit

Section 1:

Covers Hospitalization expenses due to complications of diabetes. Room, Nursing and Boarding Charges, Surgeons fees, Anaesthetist, Drugs and medicines

Section 2 :

Covers Hospitalization expenses for other than  complications of diabetes.

Section 3:

Out-Patient Expenses :  Medical Consultation, Expenses for Diagnostic tests up to specified limits

Section 4:

Personal Accident : Compensation for Accidental Death of the chosen insured person    @ 100% of the health sum insured opted

Eligibility

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

General Terms

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

A free look period of 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.

 

Guaranteed Lifetime Renewals

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

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDA.

Star Advantage

  • 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.
  • For details contact toll free no 1800 425 2255 / 1800 102 4477

Premium Chart

Premium Rating EXCLUDING SERVICE TAX
Sum Insured Rs. Individual
PLAN A PLAN B
Age in years 300000 400000 500000 1000000 300000 400000 500000 1000000
Premium Rs.
18-30 8270 10340 11895 15465 10195 12745 14660 19060
31-35 8910 11140 12815 16660 11315 14145 16270 21155
36-40 9765 12210 14045 18260 13190 16490 18965 24655
41-45 11590 14490 16665 21665 15790 19740 22705 29520
46-50 15385 19235 22125 28765 18905 23635 27185 35345
51-55 19415 24270 27915 36290 24050 30065 34575 44950
56-60 24155 30195 34725 45145 30250 37815 43490 56540
61-65 31365 39210 45095 58625 42345 52935 60880 79145
66-70 41960 52450 60320 78420 55955 69945 80440 104575
71-75 53935 67420 77535 100800 68055 85070 97835 127190
76-80 67375 84220 96855 125915 87715 109645 126095 163925
Above 80 82335 102920 118360 153870 105860 132325 152175 197830
 
Premium Rating EXCLUDING SERVICE TAX
Floater (2A)
PLAN A PLAN B
Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in years Premium Rs.
18-30 12070 15090 17355 22565 14565 18210 20945 27230
31-35 12985 16235 18675 24280 16160 20200 23230 30200
36-40 14200 17750 20415 26540 18840 23550 27085 35215
41-45 16810 21015 24170 31425 22555 28195 32425 42155
46-50 22230 27790 31960 41550 27005 33760 38825 50475
51-55 27985 34985 40235 52310 34355 42945 49390 64210
56-60 34760 43450 49970 64965 43210 54015 62120 80760
61-65 45055 56320 64770 84205 60495 75620 86965 113055
66-70 60195 75245 86535 112500 79935 99920 114910 149385
71-75 77300 96625 111120 144460 97220 121525 139755 181685
76-80 96505 120635 138735 180360 125305 156635 180135 234180
Above 80 117875 147345 169450 220285 151230 189040 217400 282620
Premium Rating INCLUDING SERVICE TAX @ 15%
Sum Insured Rs. Individual
PLAN A PLAN B
Age in years 300000 400000 500000 1000000 300000 400000 500000 1000000
Premium Rs.
18-30 9511 11891 13679 17785 11724 14657 16859 21919
31-35 10247 12811 14737 19159 13012 16267 18711 24328
36-40 11230 14042 16152 20999 15169 18964 21810 28353
41-45 13329 16664 19165 24915 18159 22701 26111 33948
46-50 17693 22120 25444 33080 21741 27180 31263 40647
51-55 22327 27911 32102 41734 27658 34575 39761 51693
56-60 27778 34724 39934 51917 34788 43487 50014 65021
61-65 36070 45092 51859 67419 48697 60875 70012 91017
66-70 48254 60318 69368 90183 64348 80437 92506 120261
71-75 62025 77533 89165 115920 78263 97831 112510 146269
76-80 77481 96853 111383 144802 100872 126092 145009 188514
Above 80 94685 118358 136114 176951 121739 152174 175001 227505
 
Premium Rating INCLUDING SERVICE TAX @ 15%
Floater (2A)
PLAN A PLAN B
Sum Insured Rs. 300000 400000 500000 1000000 300000 400000 500000 1000000
Age in years Premium Rs.
18-30 13881 17354 19958 25950 16750 20942 24087 31315
31-35 14933 18670 21476 27922 18584 23230 26715 34730
36-40 16330 20413 23477 30521 21666 27083 31148 40497
41-45 19332 24167 27796 36139 25938 32424 37289 48478
46-50 25565 31959 36754 47783 31056 38824 44649 58046
51-55 32183 40233 46270 60157 39508 49387 56799 73842
56-60 39974 49968 57466 74710 49692 62117 71438 92874
61-65 51813 64768 74486 96836 69569 86963 100010 130013
66-70 69224 86532 99515 129375 91925 114908 132147 171793
71-75 88895 111119 127788 166129 111803 139754 160718 208938
76-80 110981 138730 159545 207414 144101 180130 207155 269307
Above 80 135556 169447 194868 253328 173915 217396 250010 325013
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