Diabetes Policy (2009-10)
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
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.
Dear Sir, I am Kiran Kothari , 57 years old. sufferinf from controlled diabities and hypothyroid from nearly 10years without any hospitalization. I am fit and having regular walk and exercise session.My medical insurance was covered by corporate policy of my executive son. Now I would like to have medical [health insurance]. policy. Please guide me accordingly. Kiran Kothari
The worst insurance firm ever.. My Father took Senior Citizen Red Carpet Policy [Coverage: 1 Lac; POLICY NO. 006908] from Star Health. On August 29, 2013 when he took policy, he declared that he has Asthma. In October 2013, due to the high blood pressure he was admitted at Sanjeevani Criticare Hospital, Kopar Khairane, Navi Mumbai from 03.10.2013 to 05.10.2013. He spent around Rs. 20,000/- in this process. I had submitted all the papers to Star Health Vashi Office. After which I had no clue on the status of my claim. Every time I called up the helpline, I was flooded with multiple numbers where I need to call and follow-up with each one you in order to have a clear visibility of my claim status. Every time there was a new story that I was hearing from customer support "that the claim in process", but today, I came to know that my Father???s claim has been rejected (claim # 0130102) and it was stated to me that it won???t cover under policy due to norms mentioned as "patient was symptomatic prior to inception of star policy". I do not understand the diagnosis/Analysis been done on this from which you had conclude to reject this normal claim?? I had copied this email to Dr. Sachin Gangavane Sir (Sanjeevani Criticare Hospital) under whose treatment my father???s health was stabilized. As I came to know from your representative that the claim has been rejected on the basis of description written on the indoor paper submitted by hospital, I am sure this is human error and as Health Insurance Company I feel you guys should verify all the medical bills and supporting documents submitted by client before taking such nasty decision. Irrespective of the Policy coverage and terms specified in it you should have thoroughly studied the case history of the client and follow the norms under the same prior you conclude on anything. This is really causing a pain for me to accept your decision under abnormal circumstances. Please let me know, did you find any medical history of my father related to high blood pressure?? On the basis of one note written on some paper how you guys deal with client???s problems before investigating further??? My father felt cheated now as his claim got rejected when he really need it. What is the legal way to handle this issue? Can anybody guide me further on this?
does it covers liposuction treatment
It may be the best .If so answre A senior citizen is issued policy five year back.she paye premium regularly and made bo claim.Can premium jump 100%.She has to pay rs 15000 instead of rs 7000 for sum assured of rs 300000.Is this not misselling.Can you punish Andheri mumbai advisor
This is really sad. We should certainly take some action as permitted by law. Maybe we can go to consumer court and file a petition. Freedom of common man cannot be curbed. Strict action against these demons is the need of the hour....
The worst insurance firm star health allied insurance Andheri Mumbai.The agent cheated us. We have paid regular premium for five years and no claim made but this year the premium is increased 100%. I had complained to all officers and IRDA but they are not afraid. They refuse to give formula of 100% increase There should be action against agent for mis selling. The firm is also refusing to give physical copies of policy if renewed online
These insurance companies know how to dupe people - even educated people. Friends, don't fall into this vicious trap. Also go for renowned companies and consult someone before even talking to these sidey agents.