Star Health Insurance For Diabetes

STAR HEALTH INSURANCE

Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists, industry experts and business houses in India.

India’s diabetic population is already at 30 million today, which is the highest in the world and the number is still increasing. Star Health has come up with a health insurance plan for those affected by Diabetes Mellitus Type II.

The SALIENT FEATURES of this plan are:

• It has coverage for specified condition:
• 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
• 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 anesthetist’s fees
• Cost of blood, oxygen and diagnostic expenses
• Cost of medicines and drugs
• 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 are covered
• Second transplant following failure of the first transplant is also covered under this policy
• But all applicants will have to undergo a pre-acceptance medical screening at company nominated center
• The insurance is available for sums of Rs.50000, Rs.1 lac, Rs.2 lac, Rs.3 lacs, Rs.4 lacs and Rs.5 lacs

ELIGIBILITY:

• Any person between the age of 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
• Renewal is accepted up to the age of 70 years

PREMIUM TABLE:

• A Service Tax of 10.3% needs to be added to the premiums mentioned above
• Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act

EXCLUSIONS:

• Patients who have already developed complications of Diabetic Retinopathy and Diabetic Nephropathy leading to Chronic Renal failure and Diabetic Foot ulcer

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

• Cashless service without TPA intervention
• Direct tie up with all major hospitals in India
• 24 hours general practitioner’s advice and medical counseling
• 24×7 in-house call center
• Toll free telephone assistance
• First stand alone health insurance company