DIABETES SAFE HEALTH PLAN
An innovation policy to diabetic persons that covers diabetic, regular hospitalization & out patient expenses
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Main Features
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This plan is available for age group 18 years to 65 years
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No Medical Screening required
- Diabetic related complications for Cardiovascular/ Renal/Eye/Foot-ulcer covered from 13th month.
- Sub-limits for cardiovascular complications
- Donor expenses for kidney transplantation where the insured person is the recipient are payable.
- Donor screening expenses and post donation complications of the donor are not payable
- Dialysis Expenses covered*
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Sub Features
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Cost of Artificial Limbs are paid
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Sum insured options 5 Lakhs and 10 Lakhs
- Cost of Fasting and Post Prandial & HbA1C tests once every six months.
- PA sum insured equal to health sum insured*
- Auto restoration 100% sum insured when basic sum insured is exhausted once, during the policy period can be used for non-diabetic related hospitalization only.
- Room Rent Upto Standard Single A/C. Room
- Pre hospitalisation expenses covered upto 30 days at actuals.
- Post hospitalisation covered upto 60 days for 7% of hospital expenses upto max 5K per claim.
- Permanent exclusions applicable.
- Renewals can be done life long.
- Professional Fee : Surgeon’s fees, Consultant’s fees and/or Anesthetist’s fees - Paid on actuals.
- Road ambulance charges payable*
- 24 months waiting period for any transplant and related surgery.
- 12 months waiting period for diabetic related hospitalisation on cardia vascular system; renal system, disease of eye, diabetic peripheral vascular disease and foot lcer
Diabetes Safe Plan
Contact Us
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Health Insurance for Diabetic Mellitus
Diabetes Mellitus or Diabetes is a lifestyle disorder that can often trigger other severe diseases.
The majority of the population is not aware of Diabetes and co-morbid factors.
“Over 77 million people have Diabetes in India”- Reported by Medical news today Dated:- 28-July-2023.
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There are two types of Diabetes: Type I and Type II Diabetes.
Contrary to popular belief, Diabetes is more often becoming common among the younger population as well.
With proper medical care, you’ll be able to not only control your sugar levels but also lead a healthy life. However, with extensive medical treatments, huge bills come into the picture, which is why you may need Health Insurance for Diabetic patients.
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As is evident from its name, Diabetes Safe Insurance Policy will cover you against all expenses incurred on hospitalisation for treatment of Type I or Type II Diabetes and its complications.
The plan provides coverage on an individual and family floater basis that requires 24 hours of hospitalisation.
SECTION I
Hospitalisation for the Complications of Diabetes
In-patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered. 
Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation
Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.
Room Rent
Room (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
ICU Charges
ICU charges at actuals are covered under this policy.
Emergency Ambulance
Ambulance charges for transporting the insured person to the hospital by private ambulance service are covered up to Rs. 2000/- per policy period.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Special Condition Under Section I
Kidney Transplantation
Donor expenses for kidney transplantation are payable if the insured person is the recipient provided the claim for transplantation is payable subject to the availability of the Sum Insured.
Dialysis Expenses
Expenses incurred for dialysis (including AV fistula / graft creation changes) is covered up to Rs. 1000/- per siting. If the insured person diagnosed with Chronic Kidney Diseases then the same are covered for 24 consecutive months.
Cost of Artificial Limbs
Expenses incurred for the cost of artificial limbs following the amputation are covered up to 10% of the Sum Insured.
SECTION II
Regular Hospitalisation Expenses
In-patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered. 
Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation
Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.
Room Rent
Room (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
ICU Charges
ICU charges at actuals are covered under this policy.
Emergency Ambulance
Ambulance charges for transporting the insured person to the hospital by private ambulance service are covered up to Rs. 2000/- per policy period.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Special Condition Under Section II
Cataract Treatment
Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.
SECTION III
Outpatient Expenses
Outpatient Expenses
Outpatient expenses incurred at Network Hospitals or Diagnostic Centres are covered up to the limits mentioned in the policy clause.
SECTION IV
Coverage for Modern Treatment
Modern Treatment
Expenses incurred for modern treatments such as Balloon Sinuplasty, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
SECTION V
Personal Accident
Personal Accident Cover
One person is eligible to avail worldwide personal accident cover at no additional cost in case of accidental death.