Objective

This policy is exclusively designed for those suffering from diabetes Mellitus Type II. It aims at covering diabetic patients for hospitalisation bills caused due to some other illness or condition.

Suited for

Any person between 26 and 65 years, diagnosed with diabetes mellitus type II is eligible to buy this policy.

What does it do?

A diabetic policyholder gets a cover for medical expenses for treatments taken as an inpatient. Though, this policy does not cover treatment of diabetes mellitus type II, it covers certain conditions like laser treatment for diabetic retinopathy, treatment for chronic renal failure due to diabetes and treatment of diabetic foot ulcer.

Pros

Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.

Cons

This policy does not cover people who have already developed diabetic complications like retinopathy, nephropathy and foot ulcer.

Our View

This is a unique policy serving the needs of diabetic patients. While most other basic health policies may deny cover to diabetics, this policy provides financial respite in case of medical problems caused by ailments other than diabetes. This policy is recommended.

Eligibility

Entry Age (years)

Minimum

26

Maximum

65

Maximum Policy Renewal Age (years)

70

Coverage Type

Covers Individual diagnosed with Diabetes Mellitus Type II

Policy Term (years)

1

Sum Insured (Rs)

Maximum

5 lakh

Minimum

50000

Tax Benefit

Premium paid is eligible for tax benefit under section 80D of the Income Tax Act

Pre Policy Medical Check Up

Mandatory for all age group

Customer Service

Address

Star Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.

Mail to

support@starhealth.in, info@starhealth.in

Call to

1800 425 2255/ / 044 2826 3300

SMS

STAR to 56677

Scope Of Cover

Cashless facility

Available at empanelled hospitals in India

Re-imbursement

Available at non empanelled network of hospitals

In-patient hospitalisation

Covered

Room rent and boarding

2% of sum insured,subject to a maximum of Rs.2500/- per day in Class A cities and Rs 1250 in other cities

nursing expenses, Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs

Covered

Expenses of kidney organ donor or transplant

Covered; Second transplant in case of failure of first

Second transplant in case of failure of first transplant

Covered

Post renal complications on insured

Covered

Specific Coverage

Eyes

covers Diabetic Retinopathy requiring laser treatment

Kidneys

Diabetic Nephropathy leading to chronic renal failure

Feet

Diabetic foot ulcer requiring micro-vascular surgical correction

Exclusions and Waiting Period

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