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.
