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Star Health Diabetes Safe Insurance

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Star Health Diabetes Safe Insurance Plan

 

Star Health Insurance Company has some unique products which are especially designed for a specific group of people. Star Health Diabetes Safe is a health insurance policy which covers medical expenses incurred by a person due to diabetes. Protection against many treatments arising out of diabetes is offered by this plan for those affected by Diabetes Mellitus Type II  

 

 

Key Features of Star Health Diabetes Safe Insurance Plan

 

  • Can be availed by people between the age group of 26 to 65 years and are diagnosed with Diabetes Mellitus Type II
  • Renewals are allowed till 70 years of age
  • Hospitalisation expenses on donor of kidney are payable
  • If the first transplant fails, then the expenses of the second transplant is also payable

 

 

What is covered in Star Health Diabetes Safe Insurance Policy?

 

  • Hospitalisation cover which includes room charges up to 2% of the sum insured per day
  • Nursing expenses and Surgeon's fees,
  • Fees of Consultant, Anesthetist and Specialist are also provided
  • Cost incurred on purchasing medicines and drugs
  • Certain treatment is covered under this plan which results due to Diabetes Mellitus Type II.
    • Of the Eyes: Diabetic Retinopathy requiring laser treatment.
    • Of the Kidneys: Diabetic Nephropathy leading to chronic renal failure
    • Of the Feet: Diabetic foot ulcer requiring micro-vascular surgical correction

 

 

Additional Benefits of Star Health Diabetes Safe Insurance Policy

 

  • Post-renal transplant complications of the insured person covered
  • Second transplant following failure of the first transplant covered
  • Hospitalisation expenses on donor of kidney for renal transplant surgery are payable

 

 

Eligibility and Restrictions of Star Health Diabetes Safe Insurance Plan

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

50,000

5,00,000

Policy Term (in years)

1

1

Entry Age (in years)

26 years

65 years

 

Only those who are diagnosed with Diabetes Mellitus Type II

Renewable till Age (in years)

-

70 years

 

 

Family floater policy will cover

 

Not available. This is a policy for individuals

 

 

Tax Benefits in Star Health Diabetes Safe Insurance Plan

 

Under section 80D of the IT Act, premiums are exempted from taxable income up to the limit of

  • Rs.15,000 for individuals and
  • Rs 20,000 for senior citizen

 

 

Exclusions - What is not covered in Star Health Diabetes Safe Insurance Plan?

 

  • The costs of immune-suppressive drugs and medicines are not included under this plan
  • Treatment of Diabetes Mellitus Type II is not included
  • Persons who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer are not eligible to take the policy

 

 

 

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