Introduction

This is a specialised policy that covers diabetes and related ailments specially and also takes care of regular hospitalisation

Eligibility:

• Minimum age: 18years and Maximum-65years, person already under the effect Diabetes Mellitus can take this insurance. There is no exit age and lifelong renewal beyond 65 years is also guaranteed.
• Policy is available on Individual and as well as Floater basis. (Family of 2: Self and Spouse) both have to be diabetic.

Policy Benefits:

• Covering any complications of Diabetes from day one and hospitalisation cover for all ailments including accidents.
• Also provide regular hospitalization cover for all other ailments/injuries.
• Pre Hospitalization expenses up to 30 days prior to the date of hospitalization.
• Post Hospitalization expenses up to 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs 5000/- per hospitalization whichever is less.
• Surgeons/Consultants, medical equipment and procedural fees are also covered.
• Donor expenses are covered under kidney transplant.
• Dialysis expenses of 1000 INR per sitting are covered up to 24 months.

Additional Features of Health Insurance Policy:

• Automatic restoration of sum.
• Cost of artificial imputation of limbs up to 10% of sum insured.
• 400 day care procedures.

Policy Details:

• Plan A:
  • Pre-acceptance medical screening is required
  • No waiting period for hospitalisation against diabetes.
  • Plan B: No Pre-acceptance medical screening is required
    • Waiting period of 30 days for all other hospitalisation except diabetes.
    • Waiting period of 15 months for Cardio Vascular/Renal eye/related to eye and foot ulcer diseases.
    • 24 months for transplant and related surgeries.
    • No change of plans after receipt of policy.
    • 100% cost of Pre-acceptance medical screening is borne by company.