Star Health Diabetes Safe Health Insurance Plan
Overview
Commencing operations in 2006 as Indias first Standalone Health Insurance provider, Star Health and Allied Insurance Co Ltd is providing sterling services in Health, Personal Accident and Overseas Travel Insurance etc. Awarded for “Best Health Insurance provider of the year 2018” – Business Today, Money Today financial awards 2018 – 2019 and Awarded as “India’s leading Insurance Company of the year – Dun & Bradstreet BFSI Summit & Awards 2019. Star health offers a wide range of products from floater schemes, senior citizen coverage plans and products for Diabetes/Heart/HIV patients also. It has a Pan India presence with 550+branch offices, Cashless treatment at 9900+ hospitals across India, Star health also provides 24 X 7 FREE medical advice and expert Doctor consultation. You also get Hassle-free in-house claim settlement without intervention of TPA. Star Health efforts have always been on service excellence and product innovation with a focus on delivering the best to the customers
Highlights For
Diabetes Safe
Diabetes Cover
Dialysis expenses
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Artificial limbs
Features
Sub-limits
Pre-Hospitalisation
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Ambulance
Transportation of the patient to the hospital and back home
Organ Donor
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Modern Treatments
All advanced treatment with upgrade in technology.
Pre-Hospitalisation : 30 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 60 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : After 48 months of waiting period
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 24 months
Listed specific illness
Waiting Period- PED : 48 months
No pre-existing ailment related claims are accepted within this period.
Room Rent : Upto Sum Insured
Room rent for in-patient hospitalisation
ICU Charges : Upto Sum Insured
Charges for ICU hospitalisation
Co pay : No
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : Automatic Restoration of Basic Sum Insured by 100% upon exhaustion of the Basic Sum Insured
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : No
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : No
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : No
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : Emergency Ambulance charges up-to a sum of Rs.2000/-per policy period for transportation of insured to the hospital
Transportation of the patient to the hospital and back home
Convalescence benefit : No
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : No
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : No
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : All Day care procedures Covered.
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : No
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : Covered ( Expenses are subject to the limits)
All advanced treatment with upgrade in technology.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : No
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.