Here is a Diabetic Safe Policy that designed exclusively for people diagnosed with DIABETES MELLITUS Both TYPE I & II and offers insurance protection for treating the most commonly occurring complications arising out of diabetes as well as regular hospitalisation cover for other ailments.
Any person between 18 years and 65 years of age who is diagnosed with diabetes mellitus type I and II is eligible.
The insurance is available for sums of Rs. 3 lac, Rs.4 lac and Rs. 5 lac and 10 lac.
Premium depends upon the age of the person and the sum insured.
Highlights
- Cover for complications of Diabetes both type 1 and type 2.
- Also covers regular hospitalization.
- Policy can be taken on Individual and Floater basis.
- Cost of artificial limbs due to amputation up to specified limits.
- Automatic restoration of entire Sum insured by 100%.
- More than 400 day care procedures covered.
- No waiting period for Diabetes complication if undergone medical screening.
General Terms
Pre- Acceptance Medical Screening
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.
Tax Benefits
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Free Look Period
A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such a cancellation. Free look cancellation is not applicable at the time of renewal.
Guaranteed Lifetime Renewals
Life-long renewals beyond 65 years are offered under this policy.
Star Advantages
- No Third Party Administrator – direct in-house claims settlement
- Faster and hassle-free claim settlement
- Cashless hospitalization
- Network of more than 6000+ hospitals across India
- Facility for maintaining personal health record in electronic format.
- Personalised customer service available.
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