Star Health Diabetes Safe Insurance Sale of Policy - PAN-INDIA. Type of diabetes covered - Both Type 1 Diabetes and Type 2 Diabetes. Policy cover options - Both Individual and Family Floater options. Coverage from - Day 1 for Plan A (with medical tests) Plan B (without medical tests) COVER STARTS on Day 31 (15 months WP for some listed conditions). Auto restore facility - Available - 100% restored. Day care procedured - Expanded day care procedures - 423 listed procedures. Dialysis benefit - Upto 24 months - with Rs1000 per sitting. Artificial limbs facility - Yes, upto 10% of SI. Premium advantage - Premium advantage ranging from Rs. 1000 to 13000 (STAR Plan A with medical screening compared) Premium loading - No loading. PED: - PED waiting period for Non-Diabetic complications is 48 months while it is 36 months in Energy. Room caps: - Room rent limits in our policy RR for diab hosp (Std single A/C & Lower of either 1.5% of SI or 8.5K for diabetic & non-diabetic treatments). Apollo does not have room caps. Benefit limits: - No sum insured caps for treatment, while we have caps in Cataract, and Cardio claims. Effective claim value limited to 40% to 67% of SI. Option for 2 lakhs: - Sum insured options start from Rs 3 lakhs (3/4/5/10L). Apollo starts at 2 lakhs (2/3/5/10L)

1. STAR HEALTH & ALLIED INSURANCE CO. LTD.,

2. No. of diabetics in India – increasing in leaps and bounds

3. Diabetes

4. Some complications of diabetes

5. Types of diabetes

6.  Is there anything further that I must
do to fight diabetes?
Yes, Act smart.
Take
STAR DIABETES SAFE
Insurance Cover
How do I deal with diabetes?

7. What is special about Diabetes Safe?
 Diabetes Safe provides relief to diabetic
patients exclusively.
 We will take your stress and help you to live
with diabetes, and take control of your life.

8.  Who can buy?
Type I and Type II diabetics aged between 18 to 65.
 What benefits are offered?
The policy offers TWIN BENEFITS.
It covers all diabetic complications (ignoring the fact it
is a PED).
It provides regular health insurance benefits to the
diabetic insured.
 When does the policy start covering them?
Diabetic complications are covered from “DAY ONE”.
Regular health cover follows the pattern of a Medical
Insurance with 30 days of waiting period, and PEDs
after 48 months.
About the cover…….1

9.  Is not a Medical Screening mandatory for cover to start?
1.Yes, if “Day One” cover is required. THIS IS PLAN A.
2. If you do not want to undergo a Medical, cover is still offered. But there is a
waiting period (WP) and some limitations. THIS IS PLAN B.
 What are the differences in the “NON_MEDICAL” cover?
 In PLAN B, diabetic complications are covered from 31st day, except
complications like Cardio-vascular diseases, Renal-diseases, Eye diseases and foot-
ulcer complications which are covered from 16th month only.
 There is sub-limit on benefits available for treatment of CARDIO-VASCULAR
diseases.
 Regular health cover follows the pattern of a Medical Insurance with 30 days of
WP, and PED after 48 months.
About the cover…..2

10.  What are the sub-limits for Cardio-vascular system in PLAN B?
 How about Room rent limits?
1. Under both plans, room rents are same.
2. For (Section 1) hospitalizations of diabetic complications, it is cost of a „SINGLE
STANDARD A/C‟ room.
3. For (Section 2) hospitalizations – Regular Medical cover - it is 1.5% of SI subject
to a max of Rs8,500.
About the cover…..3
Sum Insured
(Rs in Lakhs) 3 4 5 10
Corresponding
Limits
(Rs in Lakhs)
2 2.5 3 4

11.  What are the EXTRA FEATURES in the policy?
 AUTO RESTORATION
 100% of SI.
 One time facility.
 Facility NOT AVAILABLE FOR FLOATER option.
 COST OF ARTIFICIAL LIMBS.
 Up to 10% of SI for AMPUTATIONS ADMITTED AS A CLAIM.
 423 day care procedures listed.
About the cover…..4

12.  Screening required only for PLAN A (Day 1 cover for diabetic complications)
 ECG
 TMT
 ECHO
 HbA1c
 Micro-albuminurea
 Serum Creatinine
 Urine Routine
 Eye Fundus exam.
 Company designated centers
 Cost borne by Company for accepted cases
 50% of costs recovered for rejected cases.
About MEDICAL SCREENING

13.  Floater option available. Self & spouse*
(*both diabetic)
 No exit age. Above 65 only renewals.
 Sum Insured – 4 options.
Rs.3/4 /5 /10 Lakhs.
 Donor expenses for kidney transplant covered within SI limits.
 Dialysis expenses limited to Rs 1000 per sitting up to a period of 24 months
covered
Other features

14. Compare Plan A and Plan B
(Revised) Diabetes Safe Insurance
Comparison between
Plan A Plan B
Medical Screening mandatory. No Medical Screening required.
Cover from DAY 1 for diabetic
complications.
Cover from DAY 31 for diabetic
complications (except Cardio-vascular/
Renal/Eye/Foot-ulcer).
All diabetic complications covered
from Day 1.
Complications involving Cardio-vascular
/Renal /Eye/Foot-Ulcer covered from 16th
month only.
No sub-limit restrictions. Sub-limits for cardio-vascular complications.
Premium lower. Premium higher.
One Medical Screening for any
entry
NO MEDICAL screening EVEN for fresh
entry aged >50

15.  Weight /obesity control and such other related treatment
 Metabolic/genetic/endocrine disorders
 Stem cell therapy and related treatments
 Expenses on therapies like:
 High Intensity Focused Ultra sound therapy
 Balloon sinoplasty
 EECP
 Deep brain stimulation
 Hyperbaric oxygen therapy
 Rotational Field Quantum Magnetic Resonance therapy ……
 similar therapies
 Other than Allopathic treatments (including Naturopathy)
 Experimental /unproven therapies.
 Change of sex/cosmetic treatment etc.
 All other regular exclusions like charges purely for diagnostics/cost of aids/Lasik
surgery/Convalescense/ HIV/Pregnancy or Infertility-related etc
Principal exclusions: Section 1 (Diabetic complications)

16.  PED till 48 months
 First 30 days.
 Circumcision/inoculation/vaccination (other than rabies)
 Dental treatment (accidents excepted)
 All exclusions listed in Section 1
 Other hospital expenses in excess of what is proportionate to
eligible room rent limits
 20% of package charges* wherever incurred so.
*Charges will be adjusted in proportion to room rent limits
first.
 First 2-year exclusions listed (explained in following slide)
Principal exclusions: Section 2 (Regular health cover)

17.  Treatment in First 2-years
 Eye: Catarct/Retinal detachment/glaucoma
 Ear-Nose-Throat: Diseases of ENT including stapedectomey
 Thyroid
 PIVD (Accident excepted)
 Varicose veins/ulcers
 Varicocoel/Hydrocoele
 BPH (Prostate)
 Hernia of all types
 Fissure/Fisrtula/Hemorrhoids
 Urethral strictures
 Congenital Internal disease/defect
 All types of treatment for Calculus in liver/gall/pancreas /kidney and genitourinary tract
 All treatments affecting female reproductive system
 All treatments relating to tendon/ligament/bones and joint
 Degenrative diseases of Musculo-skeletal system
 Subcutaneous benign lumps, Sebacious/dermoid cysts/ lipoma/neurofibroma and lumps/cysts of similar
pathology.
 Any transplant or related surgery
Principal exclusions: Section 2 (Regular health cover)

18.  Free-look period
 Portability
 Renewal
 Cancellation.
Regulatory compliance in terms of

19.  Migration matrix
Regulatory compliance in terms of
(Revised) Diabetes Safe Insurance
Migration plan for existing policy holders
Existing Diabetes Safe Revised Diabetes Safe
Policy in the second year
Cover from day 1.
No medical screening required.
Both Sec 1 and Sec 2 covers available.
One year waiting period for the 2- year exclusions to go.
PED waiting period – three years.
Policy in the third year
Cover from day 1.
No medical screening required.
Both Sec 1 and Sec 2 covers available.
No 2-year exclusions.
PED waiting period – two years.
Policy in the fourth year
Cover from day 1.
No medical screening required.
Both Sec 1 and Sec 2 covers available.
No 2-year exclusions.
PED waiting period – one year.

20.  Migration matrix
Regulatory compliance in terms of … (cont’d)
(Revised) Diabetes Safe Insurance
Migration plan for existing policy holders
Policy in the fifth year of renewal or
any year beyond 5th year.
Cover from day 1.
No medical screening required.
Both Sec 1 and Sec 2 covers available.
No PED applies.
SI 0.50/1/2/3Lakhs Fit onto Rs 3Lakhs.
Premium lower. Premium higher.
SI 4/5 lakhs May be fitted onto respective levels.
Higher SI options in the migrated
policy.
Can be accepted only after Medical screening for Plan
A.

21. Compare with Apollo Energy

22. Contact:
Dhanasekaran P
Mktg – Senior Sales Managaer,
+ 91 99946 12916
+ 91 93628 54443
Email: dhanasekaran.p@starhealth.in