Anyone with Type I or Type II Diabetes in the age group of 18 to 65 years will be considered eligible to buy this insurance plan.

Let us take a deeper look into what the Diabetes Safe Insurance Policy covers.

With this Policy, you get two plan options - Plan A and Plan B.

Diabetes Safe Insurance Policy - Plan A requires a Pre-Insurance Screening. The plan allows you to file a claim for all medical expenses arising out of hospitalisation and complications caused by Diabetes up to the Sum Insured.

Plan A offers cover for diabetes complications such as Cardio Vascular System, Renal System, Diseases of eye, Diabetic Peripheral Vascular Diseases and Foot Ulcer from day 1.

Diabetes Safe Insurance Policy Plan B does not require a Pre-Insurance Screening. All in-patient hospitalisation expenses arising out of diabetes during the policy period will be covered up to the Sum Insured.

In Plan B, medical expenses relating to any Cardio Vascular System, Renal System, Diseases of the eye, Foot Ulcer, Diabetic Peripheral Vascular Diseases and other complications of diabetes are covered after a waiting period of 12 months.

All in-patient hospitalization expenses for Non-Diabetic complications are covered in both the plans up to the Sum Insured. Under this policy, the waiting period for pre-existing conditions is 48 months, for specific diseases it is 24 months and the initial waiting period for the policy is 30 days except for accidents.

We request you to choose the right plan option depending on your health care requisite.

1. Both the plans can be bought on individual as well as on a floater basis, which covers you and your spouse provided either of you is a diabetic. Lifelong renewal is available
2. The maximum Sum Insured Option is ₹10,00,000 in this policy
3. Both plans will cover your daycare medical expenses and modern treatment (up to sub-limits)
4. Cataract surgeries are covered up to specific limits based on the Sum Insured opted
5. Organ donor expenses for kidney transplantation is allowed
6. Dialysis expenses are covered
7. The chosen Insured person has worldwide cover for Accidental Death

1. Room (Single Standard A/C room), Boarding and Nursing Expenses
2. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees
3. Emergency ambulance charges up to a sum of ₹2,000 per policy period
4. Pre-hospitalisation Expenses incurred for a period not exceeding 30 days before the date of hospitalization
5. Post-hospitalisation Expenses incurred up to 60 days after discharge from the hospital are payable up to 7% of the hospitalization expenses subject to a maximum of Rs. 5,000/- per hospitalization
6. Fasting and Post Postprandial and HbA1C tests incurred at any networked facility is covered once every six months up to Rs. 750/- per event up to Rs. 1500/- per policy period. Outpatient expenses like medical consultation, other diagnostics, medicines and drugs are covered up to the specific limits per policy period
7. ICU charges
8. Blood and oxygen expenses
9. Medicinal expenses
10. Automatic restoration of the Basic Sum Insured by 100% immediately upon exhaustion of the basic sum insured, once during the policy period
11. Amputation claims up to 10% of the Sum Insured

Here are some of the common reasons why your claims could get rejected by the Star Health Diabetes Safe Insurance Policy:

1. Hospitalisation expenses during the waiting period for that particular disorder
2. Obesity related medical procedures Hospitalisation expenses for Investigation & Evaluation
3. Treatment relating to sterility and infertility.
4. Self-intentional injury
5. Cost of spectacles, contact lens and any dental treatments

For more details on the risk factors, terms and conditions, please read the policy wordings before concluding sale

In the Diabetes Safe Insurance Policy, all the expenses of hospitalizations about the treatment of Diabetic and non-Diabetic conditions are covered.

• The initial waiting period under this plan is 30 days (except for accidents).
• The waiting period for PEDs is 48 months.
• For specific diseases, it is 24 months.

Under Plan A - Diabetic Complications are covered from Day 1 for Type I and Type II Diabetes.

Under Plan B - Diabetic Complications are covered after 12 months for Type I and Type II Diabetes.

Yes. This plan covers other illnesses too.

Sub limits are available for Cataract, CVD and modern treatments. Refer to the policy clause for more details.

Plan A and Plan B are the two variants available in this plan.

Any person of the age group from 18-65 years diagnosed with Diabetes is eligible to buy this policy.