Star Health Insurance’s Diabetes Safe insurance policy is a specialised package for people with diabetes, both Type 1 and sort 2. The scheme which is meant to cover diabetes and associated illnesses, covers the prices of routine hospitalisation because of diabetes complications. The policy covers both Type 1 (also referred to as Juvenile Diabetes) and type 2 diabetes, among other things. The policy are often purchased as an entity or as a floater.
Star Health Insurance For Diabetes:
The Star Health Diabetes Safe insurance policy is additionally available in two versions: Plan A and Plan B. The insured individual must undergo a pre-acceptance medical examination under Plan A. The insurance coverage begins as soon as the policy is released. there’s no waiting period for any diabetes or diabetes-related complication. Pre-acceptance medical screening isn’t needed under Plan B. However, there’s a 12-month waiting period from the beginning of the plan.
Criteria for Eligibility:
For people with Diabetes , the eligibility requirement for Star Diabetes Safe mediclaim coverage may be a minimum of 18 years and a maximum of 65 years.
- The amount of coverage varies between Rs 3 lakh, Rs 4 lakh, Rs 5 lakh, and Rs 10 lakh.
- Plan A and Plan B are the 2 plan variants available for this policy.
- Under Plan A, a pre-medical examination is required. Pre-medical screening, on the opposite hand, isn’t needed under Plan B.
- Person and family floater coverage options are available.
- Plan A has no waiting period, while Plan B has only a 12-month waiting period.
- Guaranteed Lifetime Renewals are available to the insured under this Star insurance policy until they reach the age of 65.
- Renewals are given a 30-day grace period from the policy’s expiration date.
- Compensation within the event of the insured person’s death as a results of an accident.
- Amputation-related artificial limb costs up to a particular limit
- Outpatient costs, like medical consultations and diagnostic tests, are covered up to certain thresholds.
- Up to 24 months of dialysis at Rs. 1000 per sitting
- Hospitalization costs (room, nurse, anaesthetist, surgeon fees, medications, and medicines) incurred as a results of diabetes complications are covered.
- Hospitalization costs for reasons apart from diabetes complications
- Aesthetic or cosmetic surgery, as well as erectile dysfunction treatment
- Drug/alcohol-related diseases, substance misuse, smoking, or tobacco chewing
- All costs related to the care of HIV/AIDS and related illnesses
- Diabetic nephropathy and diabetic retinopathy, all of which may cause chronic renal disease and a diabetic foot ulcer, aren’t protected.
- Convalescence, a state of general debility, a state of exhaustion, a state of nutritional deficiency
- Dental surgery or treatment isn’t recommended unless it’s absolutely necessary due to an injury or a hospitalisation requirement.