Diabetes Policy (2009-10)

Star Health and Allied Insurance presents a policy that helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications.

Coverage Offered for Specific Conditions

Eyes: Diabetic Retinopathy requiring laser treatment
Kidneys: Diabetic Nephropathy leading to chronic renal failure
Feet: Diabetic foot ulcer requiring micro-vascular surgical correction
The policy covers the cost of treatment up to the limit provided

Diabetes Benefits

Hospitalization Cover
Boarding and room charges at 2% of the sum insured subject to a maximum of Rs.2500 per day in Class A cities and Rs.1250 per day in other locations
Nursing expenses
Surgeon's fees, Consultant's fees and/or Anesthetist fees
Cost of blood, oxygen, diagnostic expenses
Cost of medicines and drugs

Special Features

Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject to availability of sum insured
Post-renal complications on the insured person covered
Second transplant following failure of the first transplant covered

Pre-Acceptance Medical screening

All applicants will have to undergo a pre-acceptance medical screening at company nominated center

Sum Insured Options

The insurance is available for sums of Rs.50,000, Rs.1,00,000, Rs.2,00,000, Rs.3,00,000, Rs.4,00,000 and Rs.5,00,000.

Premium in Indian Rupees (Service Tax extra)

Sum Insured (In Rs.)	26 - 35 Yrs	36 - 45 Yrs	46 - 55 Yrs	56 - 65 Yrs	66 - 70 Yrs
50000/-	805/-	990/-	1235/-	1485/-	2225/-
100000/-	1140/-	1615/-	1900/-	2185/-	2470/-
200000/-	1885/-	2565/-	3420/-	3765/-	4105/-
300000/-	2300/-	3135/-	4180/-	4600/-	5020/-
400000/-	4655/-	4990/-	6650/-	7315/-	7980/-
500000/-	6385/-	6840/-	9120/-	10035/-	10945/-

Claim Procedure

Call the Star Health 24 hour help-line to register the details of hospitalization.
Kindly mention your Star Health ID number for easy access to your policy details.
In case of a planned hospitalization, please register 24 hours prior to admission to the hospital
In case of emergency hospitalization, please register within 24 hours of hospitalization
In all network hospitals, the cashless facility on payments can be availed
For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents.

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 (A detailed list of exclusions is available in the policy conditions document)

Eligibility

Any person between 26 years and 65 years of age who is diagnosed with Diabetes Mellitus Type II can take this insurance.

This limit of 65 years is applicable only for initial entry in to the scheme. Renewals will be accepted up to 70 years.