Star Diabetes Safe Health Insurance Policy

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      Star Diabetes Safe Health Insurance Policy

      Star Diabetes Safe health insurance policy is specially designed to provide health cover to individuals suffering from Diabetes Mellitus. It is a comprehensive diabetes star mediclaim health policy that has no waiting period for diabetes and its related complications under the Plan A variant.

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      Coverage under this Star health insurance policy is provided on both Individual and family floater basis. Both Type 1 and Type 2 diabetes patients can be covered under this diabetes health plan.

      Eligibility Criteria

      The eligibility criterion for Star Diabetes Safe mediclaim health policy is minimum 18years and a maximum of 65 years for people who are suffering from Diabetes Mellitus.

      Features and Benefits

      • The coverage amount ranges from Rs 3 Lakh, Rs 4 Lakh, Rs 5 Lakh, to Rs 10 Lakh
      • This policy is available in two plan variants i.e. Plan A and Plan B
      • A pre-medical examination is required under Plan A. On the other hand, pre-medical screening is not required under Plan B
      • The coverage is available on both individual and family floater basis
      • No waiting period under Plan A and only a 12months waiting period on the Plan B variant
      • Post 65 years of age, the Guaranteed Lifetime Renewals are offered to the insured under this Star health insurance policy
      • 30 days of a grace period is provided on renewal from the policy expiry date
      • Star Health Insurance company provides 30 days of free look period from the policy purchase date

      Inclusions of Star Diabetes Safe Insurance Policy

      • It offers diabetes cover including Type 1 and Type 2 diabetes hospitalization expenses and also the related complications
      • Hospitalization Expenses that Star health insurance company pays under this policy include medicines, nursing and boarding charges, doctor fees, surgeon fees, anaesthetist, etc.
      • The policy pays for all the daycare medical procedures
      • Out-patient expenses including medical consultation and diagnostic charges are covered up to the specified limits
      • Personal Accident Cover is also provided under this star mediclaim health policy

      Exclusions of Star Diabetes Safe Insurance Policy

      • Pre-existing illnesses until completion of the waiting period
      • Any cosmetic or plastic surgery unless it is a part of the treatment
      • Unproven medical treatments
      • Symptoms arising out of alcohol and drug abuse
      • Routine medical check-up is not covered
      • Symptoms arising out of alcohol consumption and drug overdose
      • Star health insurance plans do not cover gender change surgery
      • Any loss or damage arising due to self-inflicted injuries and suicidal attempts cannot be claimed
      • Incidents related to breach of conduct or law, war, crime, usage of weapons, etc. are not covered

      Cancellation

      To cancel your Star health diabetes safe insurance policy, you need to inform the insurer by giving a 15 days’ notice to get the refund. The rate of premium that is refunded is decided on the basis of the policy term and premium payment frequency. Listed below is for one-year policy term:

      Period on risk

      Rate of Premium to be retained by the insurer

      1 month

      22.5% of the annual premium

      1 month to 3 months

      37.5% of the annual premium

      3 months to 6 months

      57.5% of the annual premium

      6 months to 9 months

      80 % of the annual premium

      Exceeding 9 months

      Full annual premium

      Star Diabetes Safe Insurance Policy FAQs

      • Q1. If I am a diabetic patient can I buy Star mediclaim policy?

        Ans:Yes, it is possible to buy an individual star health insurance plan. Your pre-existing diabetic condition will not be covered. However, you can get a medical cover with a Star Diabetes Safe health insurance plan which is designed to cover problems related to diabetes such as Diabetic Nephropathy, Diabetic Retinopathy, and Diabetic Foot Ulcer. But, it is required to undergo a medical screening before purchasing this policy even if you are below 50 years of age.

      • Q2. What factors need to be considered while buying diabetes insurance from star health?

        Ans:You need to consider the below pointers while buying health insurance or diabetes plan from Star Health:

        • A clear understanding of all the hidden clauses such as waiting period, co-payment etc.
        • Whether any cap on room rent or not
        • Limitations on Pre-existing diseases]
        • List of exclusions
      • Q3. Is there any waiting period in Star Diabetes Safe Plan?

        Ans:Usually, there is a waiting period clause of 2 to 4 years for pre-existing illnesses like hypertension and diabetes. No claim is permissible for any pre-existing illness during the waiting period. This is the reason why it is suggested that you buy health insurance in an early stage so that there is sufficient time to claim for your pre-existing health ailments. However, a waiting period is not applicable to Star Diabetes Safe Plan. But there is a waiting period of 15 months for Plan A and Plan B.

      • Q4. What should I do if I want to renew the star health insurance policy after a year?

        Ans:Star Health Insurance Company will send you a renewal reminder and will be informing you about the expiry of your Star health insurance policy. However, the company is not obligatory to do so. Therefore it is your responsibility to renew it on time.

      • Q5. What should I do if I misplace my Star health card?

        Ans:You can get in touch with the insurer on their helpline number - 1800 425 2255. You can also send them an email regarding your concern at support@starhealth.in immediately.

      • Q6. Why should I buy a Star health mediclaim policy from Star Health Insurance Company?

        Ans:Below are a few reasons for you to consider buying a Star Health mediclaim policy:

        • Claim house claim settlement is done without the intervention of TPA
        • 87% cashless claim settlement ratio assures timely settlement of your claims
        • You can avail free medical consultations
        • Moreover, you can avail cashless healthcare facilities in more than 9900 hospitals across India.
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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