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    Star Diabetes Safe Health Insurance Plan

    Uploaded by

    Rajat Gupta
    This document summarizes the Star Diabetes Safe Health Insurance Plan, which offers individual and floater policies for people aged 18-65 with type 1 or 2 diabetes. The plan provides coverage for hospitalization, day care procedures, testing expenses, and personal accident death. It has sum insured options from Rs. 3 to 10 lacs with lifelong renewal. Waiting periods apply to certain benefits, especially under Plan B which has longer waiting periods of 15 months, 24 months, and 48 months. The plan offers tax benefits and coverage for regular and diabetes-related hospitalization, with certain permanent exclusions.

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    © All Rights Reserved
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    Star Diabetes Safe Health Insurance Plan

    Uploaded by

    Rajat Gupta
    86 views1 page
    This document summarizes the Star Diabetes Safe Health Insurance Plan, which offers individual and floater policies for people aged 18-65 with type 1 or 2 diabetes. The plan provides coverage for hospitalization, day care procedures, testing expenses, and personal accident death. It has sum insured options from Rs. 3 to 10 lacs with lifelong renewal. Waiting periods apply to certain benefits, especially under Plan B which has longer waiting periods of 15 months, 24 months, and 48 months. The plan offers tax benefits and coverage for regular and diabetes-related hospitalization, with certain permanent exclusions.

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    Diabetes.pdf

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    This document summarizes the Star Diabetes Safe Health Insurance Plan, which offers individual and floater policies for people aged 18-65 with type 1 or 2 diabetes. The plan provides coverage for hospitalization, day care procedures, testing expenses, and personal accident death. It has sum insured options from Rs. 3 to 10 lacs with lifelong renewal. Waiting periods apply to certain benefits, especially under Plan B which has longer waiting periods of 15 months, 24 months, and 48 months. The plan offers tax benefits and coverage for regular and diabetes-related hospitalization, with certain permanent exclusions.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    86 views1 page

    Star Diabetes Safe Health Insurance Plan

    Uploaded by

    Rajat Gupta
    This document summarizes the Star Diabetes Safe Health Insurance Plan, which offers individual and floater policies for people aged 18-65 with type 1 or 2 diabetes. The plan provides coverage for hospitalization, day care procedures, testing expenses, and personal accident death. It has sum insured options from Rs. 3 to 10 lacs with lifelong renewal. Waiting periods apply to certain benefits, especially under Plan B which has longer waiting periods of 15 months, 24 months, and 48 months. The plan offers tax benefits and coverage for regular and diabetes-related hospitalization, with certain permanent exclusions.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
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    of 1

    Star Diabetes Safe Health Insurance Plan

    Age at Entry - Adult 18 years to 65 years


    Policy Type Individual Floater (2A – Both husband & wife Diabetic)
    Special Plan for Diabetic both Type 1 and type 2
    1. Individual Plan - (For individuals who are Diabetic)
    Who can Buy
    2. Floater Plan - 2A only - Husband and Wife (Either one of them or both of them
    being Diabetic
    Sum Insured 3 / 4 / 5 / 10 Lac
    SI can be enhanced on renewal - Subject to company's discretion - Only when no
    Sum Insured Enhancement
    Claim lodged or Paid - Waiting period will be applied on the enhanced Sum Insured
    Policy Period 1 Year
    Renewal Guarantee Life Long
    Renewal Grace Period 30 days
    Section - 2 Regular Hospitalisations - Other than Diabetes related
    Room Rent, Boarding and Nursing Expenses - per day 3 Lac – 4500 / 4 Lac – 6000 / 5 Lac – 7500 / 10 Lac - 8500 (1.5% SI - Max 8500)
    Professional Fees Surgeon, Anaesthetist, Medical Practitioner, Consultant, Specialist Fees - Actual

    Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs,


    Other Medical Expenses
    Diagnostic materials, X-ray, Diagnostic Imaging etc. - Actual

    Ambulance Charges Rs. 2000 per policy year


    Pre - Hospitalisation 30 days prior to the date of hospitalisation - Actual
    60 days - (7% of nursing expenses, Surgeon/consultant Fees, Diagnostic Charges,
    Post - Hospitalisation
    Cost of medicines and drugs with Max Rs. 5000)
    Donor Expenses (Screening and Post Donation Complications - Not paid) paid - if
    Donor Expenses on Kidney Transplantation
    Sum Insured Available
    up to Rs. 1000 per sitting for 24 consecutive months - on occurrence of Chronic
    Dialysis Expenses (including AV Fistula/Graft Creation)
    Kidney Disease
    Cost of Artificial Limbs - on Amputation up to 10% of SI - Paid if the Amputation Surgery hospitalisation claim admitted
    Cardio Vascular System, Renal System, Disease of Eye,
    For Plan A - Immediate; Plan B - After a waiting period of 15 months
    Foot ulcer Coverage
    No Sublimit for Plan-A; For Plan B - 2Lac-for 3Lac SI; 2.5Lac-for 4 Lac SI; 3 Lac for - 5
    Sublimit for Cardio Vascular Disease
    Lac SI; 4 Lac for - 10 Lac SI
    Section 1 Applicability For Plan A - Immediate; Plan B - After a waiting period of 30 days
    Transplant and related Surgery Plan A - Immediate; Plan B - After a waiting period of 24 months
    Benefits paid for the expenses at Network Hospital - Pay out forms part of Sum
    Section 3
    Insured
    Section - 3 - Testing Expenses - For Individual and Floater Fasting, Post Prandial and HbA1C tests once in six months Rs. 750 per event - Rs.
    (Plan A and Plan B) 1500 per policy year
    Section - 3 - Plan A - Individual 3Lac - 1000; 4Lac - 2500; 5 Lac - 3500; 10 Lac - 5500
    Section - 3 - Plan A - Floater 3Lac - 2000; 4Lac - 3500; 5 Lac - 5500; 10 Lac - 7500
    Section - 3 - Plan B - Individual 3Lac - 500; 4Lac - 2000; 5 Lac - 3000; 10 Lac - 5000
    Section - 3 - Plan B - Floater 3Lac - 1500; 4Lac - 3000; 5 Lac - 5000; 10 Lac - 7000
    Personal Accident - Death Cover - Accident Cover Sum Insured Equivalent to Health
    Section - 4 Sum Insured for one Specified Individual

    Day Care Treatment 405 Day Care Procedures Covered


    100% of Basic SI - on Exhaustion of Basic SI – Can’t be used for treatments for which
    Automatic Restoration - For Individual Policy claims already made - Not available on floater
    Any Disease Contracted by the insured; Diabetes related hospitalisation (other than
    30 days - Waiting Period Cardio Vascular System, Renal System, Disease of Eye, Foot Ulcer related
    hospitalisation) under Plan-B
    Cardio Vascular System, Renal System, Disease of Eye, Foot Ulcer related
    15 months - Waiting Period
    hospitalisation for Plan-B

    Like - Cataract, ENT, Thyroid, Prolapse of intervertebral Disc (Non-Accidental),


    24 Months - Waiting Period Vericose-Veins&Ulcers, Prostate Disease, Hernia, Fistula/Fissure, Congenital Internal
    Disease, - For full list refer product brochure

    48 Months - Waiting Period PEDs - Other than Diabetes related - Declared in Proposal and Endorsed in Policy
    Like - Congenital External defects, Dental Treatments(Non-Accidental), Psychiatric
    treatment, Venereal diseases, Intentional Self Injury, Pregnancy and child birth related,
    Permanent Exclusions Weight Control, Cosmetic treatments, Plastic Surgery - For full list refer product
    brochure.
    Pre Acceptance Medical Screening Not Required - for Plan B; Required - for Plan A
    Tax Benefits - Sec-80D Rs. 30000 - for Age 60 years and above clients

    Strictly for internal training purpose only. Refer to Boucher for more information

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