General Insurance

Diabetes Safe Policy

Eligibility Criteria

Minimum Entry Age 18 years for adults
Maximum Entry Age 65 years of age
 
 

Benefits

This plan is exclusively for Diabetes patients.

Section 1

It covers hospitalization for complication of Diabetes.

 

Section 2

It covers hospitalization for all other ailments/injuries related to diabetes.

 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 3,4,5 and 10 lakhs.
In-patient hospitalisation

This covers hospitalisation expenses due to an diabetes
The plan covers hospital accommodation up to Single private room, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalised.
The plan covers pre-hospitalization expenses of up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalization expenses of 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs. 5000/- per hospitalization whichever is less.
Organ Donor

The medical expenses for an organ donor's treatment in the event of organ transplantation.
Under this plan, donor expenses for kidney transplantation surgery is covered.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalisation.
In the event of hospitalisation, the policyholder is entitled to
Section 1 Section 2
Single Standard A/c Room Upto 1.5% of Sum Insured subject to a maximum of Rs. 8500/- per day.
 

Other Features

Day Care Treatments

These are treatments that don’t require a 24-hr hospitalisation and conducted in a hospital or day-care center.
This plan covers the expenses of day care treatments up to Sum Insured.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Ambulance expenses up to Rs. 2,000/- hospitalization is covered under this plan.
Out Patient Department expenses

These are the expenses which includes doctor’s consultation fees, health check ups, pharmacy bills, dental treatment, diagnostics tests, etc.
Under this plan, OPD expenses are covered:

Individual Plan (B)
Sum insured Rs 3 lacs 4 lacs 5 lacs 10 lacs
Limit of OPD Rs. 500/- Rs. 2000/- Rs. 3000/- Rs. 5000/-
Floater Plan (B)
Sum insured Rs 3 lacs 4 lacs 5 lacs 10 lacs
Limit of OPD Rs. 1500/- Rs. 3000/- Rs. 5000/- Rs. 7000/
Dialysis expenses

Expenses incurred on dialysis (inclusive of AV fistula/graft creation charges) are payable
Under this plan, a diabetic person can avail Rs. 1000/- per sitting payable upto 24 months commencing from the month in which the need of dialysis is recommended.
Waiting Period

A person who is suffering from diabetes can be claim only after a waiting period.
Section 1: 15 months waiting period for diseases directly or indirectly related to Cardio vascular system, Renal system, Diseases of eye, Diabetic Peripheral Vascular Diseases and Foot Ulcer.
Section 2: 48 months waiting period for claim arising out of any pre existing diseases.