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1. Star Health and Allied Insurance Company Limited
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
Star Health Diabetes Safe Insurance
Who Can Take This Insurance?
Any person between 18years and 65 years of age who is already living with Diabetes Mellitus can
take this insurance
No exit age
Policy is available on Individual and as well as Floater basis
Floater refers to family of 2-Self and Spouse
Policy Benefits
Covering any complications of Diabetes from day one.
Also provide regular hospitalization cover for all other ailments/injuries.
Pre Hospitalization expenses upto 30 days prior to the date of hospitalization.
Post Hospitalization expenses upto 60 days after discharge from the hospital not exceeding 7% of
the hospitalization expenses or Rs 5000/- per hospitalization whichever is less
Pre-medical examination:
Applicable for Plan A
Not Applicable for Plan B.
Coverage :
Plan A
(with medical examination)
Plan B
(without medical examination)
Section 1 Section 2 Section 1 Section 2
Coverage
Covers
hospitalization for
complications of
Diabetes
Covers hospitalization for
all other ailments
Covers
hospitalization
for
complications of
Diabetes
Covers hospitalization for
all other ailments
Waiting
Period
No waiting period
1) 30 days (except for
accidents).
2) 24 months for specified
illness/diseases/treatment.
3) 48 months for all pre-
existing diseases except
Diabetes Mellitus.
1) 30 days from
the date of
commencement.
2) 15 months -
Cardiovascular
system, Renal
system,
Diseases of eye
and foot ulcer.
1) 30 days (except for
accidents).
2) 24 months for pecified
illness/diseases/treatment.
3) 48 months for all pre-
existing diseases except
Diabetes Mellitus.
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

2. Star Health and Allied Insurance Company Limited
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
concerned provided no claim has been made until such cancellation. Free look cancellation is not
applicable at the time of renewal.
Product features:
1. What is different about the new Diabetes Safe policy?
Ans: It is a policy exclusively meant for persons who are diabetic. This policy covers all complications of
diabetes without a waiting period. The same policy also provides cover for (other) regular hospitalization
expenses.
2. Does it cover the declared medical condition of Diabetes and it complications?
Ans: Yes. The policy covers all complications of diabetes, ignoring that it is a PED, from day one. Over
and above, the policy pays for hospitalization costs to treat illnesses other than diabetic complications
too.
3. Every policy covers the PEDs after 4 years of continuous renewals. So, what is different about Diabetes
Safe policy?
Ans: Diabetes is not considered as a PED as done in the usual health policies. You need not wait for 48
months for getting coverage of complications of Diabetes.
4. Is a medical screening mandatory for getting Diabetes Safe policy?
Ans: A medical examination is required if you wish to have coverage from Day One for diabetic
complications. But a diabetic person can also take the cover even without a medical examination.
5. What is different about the cover without a medical screening?
The only difference is that coverage for diabetic complications shall start only after a waiting period of
fifteen months, in case the cover is taken without a medical screening.
6. Is there a cost for the medical screening?
No, the cost for medical screening is absorbed 100% by the company, if the policy is accepted. If the
policy is rejected, 50% of the medical screening will be chargeable to you.
Eligibility:
1. Who can apply for the cover? (Who can take the cover?)
Ans: Anybody diabetic within the age 18 to 65 can opt for the policy.
2. What will happen once I touch age 65?
Ans: No fresh cover will be given after the age of 65. That’s the only restriction. If you have taken the
policy before 65 years of age, you can continue the policy for life time.
3. My wife and I both are diabetic. Should I take two different policies if both of us want the cover?
Ans: No, we have a Family floater option, which means both of you can take a single policy for joint
coverage under a single sum insured.
4. My child has juvenile diabetes. Can I cover him under the policy?
Ans: Unfortunately, no. The cover is possible only for persons above 18.
5. You say that there are two Plans, Plan A and Plan B. Which do I choose?
Ans: This is your choice. If you wish to have day 1 coverage, it is Plan A. But, you have to undergo
medical screening and wait for the medical decision for the acceptance. Once you get cleared, you are
admitted into coverage as per Plan A.

3. Star Health and Allied Insurance Company Limited
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
But if you do not want the hassle of medical screening, then you can join Plan B, but there is a waiting
period of 30 days for all diabetic complications other than cardio-vascular, renal complications, foot ulcer
and diabetic eye diseases for which 15 (fifteen) months wait is essential.
6. Can I take the cover without a medical, join Plan B and next year shift to Plan A after a medical check?
No change of plan is allowed. Please choose carefully.
Coverage:
7. Along with Diabetes, I have the PED of Asthma and wheezing also. I intend to declare them. Will I get
cover from ‘day one’ of the policy for the same and any complications?
Ans: The policy covers both diabetic complications and other types of ailments in two different sections.
Diabetic complications are covered in Section 1 which has no waiting period, if the cover is taken after a
medical screening. Without a medical screening you have to wait 15 months for the coverage. All other
diseases (Other than complications of Diabetes) are covered in Section 2, as per the usual health
insurance terms. So, any PEDs other than diabetes shall be covered under Section2. Here, the PED
waiting period is 48 months of continuous coverage.
8. Is a Cataract claim admitted on Day1 of the coverage?
Ans: No, cataract is coming under Section 2. It is covered with a waiting period of 24 months, if it is not a
PED.
9. Are day-care procedures covered?
Ans: Yes, day care procedures are covered. The numbers of day-care procedures covered and listed are
expanded to 423 in the policy.
10. What do I do, if the sum insured is exhausted?
Ans: Your concerns are well taken care of in this policy. There is an Auto-Restore facility which restores
the SI to the original level (100% of SI) once in the policy period.
11. Can I use up the sum insured for repeat claims of chronic types I claimed earlier?
Ans: The Restored SI will be available for only illnesses new. It cannot be used for diseases which have
been claimed under the policy earlier by the same person. Please keep in mind that the automatic
restoration can be used only once during the policy period.
12. The Auto-restore facility is available for the Family Floater option too?
Ans: No, the Auto-restore will be available for only individual covers. This facility is not extended for
Family floating option.
Limits:
13. What are the sum insured options available?
Ans: Four options are available: Rs3/4/5/10 Lakhs, depending on your choice.
14. What are the room rent limits in the policy?
Ans: For diabetic complications (section 1), the room rent limit is that the cost equivalent to a single
standard AC, and it is 1.5% of sum insured (subject to a max of Rs8,500) in respect of hospitalizations
for treating of diseases other than diabetic complications (Section 2).
15. What is the limit set for cataract removal surgery?
Ans: For all SI options up to Rs 5 lakhs, Rs.20,000 per eye with a max of Rs30,000 during the policy
period. For SI of Rs 10 Lakh, it is Rs 30,000 per eye (Max of Rs.40,000 for the policy period).
16. Are there any other sub limits?

4. Star Health and Allied Insurance Company Limited
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
Ans: No, there are no sub-limits for claims under Plan A which is policy taken after a medical screening.
For Plan B, which is taken without a medical screening, there are sub-limits for claims pertaining to
Cardiovascular system. The benefits are limited to 2Lakh for 3 lakh SI to 4Lakhs for 10 Lakh SI.
Premium:
17. Isn’t the premium higher than the regular medical policies?
Ans: Naturally. The persons taken for cover are high-risk individuals. You have to expect some increase
in premium. But the benefits offered should also be kept in view.
18. I am 38 years old. If I opt for 4 Lakhs Plan A with Medical Screening, what will be my premium?
Ans: Rs 12, 210 will be the annual premium for the risk. The per month policy cost would be Rs.1018/-,
perhaps equal to your medicine costs every month to control diabetes. Take it as an additional medicine
cost to control your hospitalization expenses, and you will find that the cost is only nominal.
19. Is the cost for Plan A and Plan B same or different?
Ans: Plan A is given after a medical screening. We know what the health status of the insured is. How
good or bad is the medical control on diabetes, which is not available for Plan B entrants. The actual
control or extent can be varying from what is actually stated in the proposal form. So, to take care of the
margin of error, the premium is slightly higher. For a person aged 38, opting for Rs4lakhs, the premium is
Rs16490, or in monthly terms, Rs1374/-. This is not too high when compared to Plan A premium.
20. I was informed that there is a Family floater option. What is the premium cost of this option?
Ans: In a comparable situation (Rs4 lakhs SI for a 38 year old applicant) for Plan A the premium is
Rs17,750 (Per month costs for two come to Rs.1,480) and for Plan B, it is Rs 23,550 (Rs1,963 is the
monthly premium cost for two).