Star Diabetes Safe Insurance Policy

• Hospitalization Cover for Diabetes both type 1 and type 2
• Policy can be taken on Individual and Floater basis
• Automatic restoration of entire Sum insured by 100%
• Donor expenses for kidney transplant surgery covered
• Compensation for Accidental Death of the chosen insured person
• OPD expenses covered
• Lifelong renewals beyond 65 years are offered
• 405 day care procedures covered
• Tax Benefits under section 80 D

• Covers hospitalization expenses arising out of the complications of Diabetes are covered like room rent, surgeon fees, etc.
• Covers hospitalization for all other injuries/ailments apart from Diabetes
• Out Patient expensesfor Medical consultations, Diagnostic tests, medicine and drugs are covered.
• Pre & Post hospitalization expenses covered up to 30 days and 60 days respectively.
• Compensation for Accidental Death of the chosen insured person is available under the policy.   
• Donor expenses for kidney transplant surgery are paid
• Dialysis expenses covered as per the specified limit up to 24 months
• Cost of artificial limbs due to amputation up to specified limits
• 405 Day care procedures covered
• Personal Accident benefit available under this plan

• Automatic restoration of entire Sum insured.
• Emergency Ambulance expenses are covered.
• Tax Benefit for this insurance is eligible for relief under Section 80D of the Income Tax Act.
• No Third Party Administrator - direct in-house claims settlement
• Faster and hassle-free claim settlement
• Cashless hospitalization
• Network of more than 7800 plus hospitals across India
• Facility for maintaining personal health record in electronic format.

• Dialysis expenses @ Rs.1000/- per sitting up to 24 months
• Room Rent is capped to Single Standard AC Room under section 1.
• Room Rent is capped at 1.5% of the sum insured subject to Rs 8,500 per day for section 2.
• Post Hospitalization is capped at 7% of the hospitalization expenses (including room charges) subject to a maximum of Rs 5,000.
• The cost of fasting and Post Prandial and HbA1C tests once every 6 months upto Rs 750 per event and up to Rs 1,500 per policy period.
• OPD benefit expenses vary with respect to Sum insured and plan type.
• Emergency Ambulance up to Rs 2,000 per policy period.

No waiting period for the Plan A variant  pertaining to benefits under section 1.

Waiting Period is as follows:

• Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims. This is applicable for the Plan B variant.
• Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
• Pre-existing waiting period: 48 months waiting period is applicable for covering pre-existing diseases.

• Dental Treatment
• Convalescence benefit
• Cosmetic & Aesthetic Surgeries, etc.
• Maternity benefits
• Cost of spectacles and contact lenses, etc.