India has a diabetic population of 30 million - the highest in the world and the number is increasing rapidly everyday. Diabetes needs immediate attention because it affects vital systems in the body over time and treatment can be very expensive.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 extra)
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 hospitalisation, please register 24 hours prior to admission to the hospital
- In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
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
- Website with in-depth health information