userThis policy is designed specifically for individuals diagnosed with Type 1 and Type 2 Diabetes, covering diabetes-related complications and other illnesses.
Plan Essentials
1. Diabetes Cover: Specially designed for individuals with Diabetes, covering both Type 1 and Type 2, along with complications and other diseases.
2. Entry Age: Individuals aged 18 to 65 years can avail this policy.
3. Policy Type: Available on Individual or Floater basis. Floater is available only for two family members.
4. Flexible Plan Options
Plan A: Requires pre-acceptance medical examination.
Plan B: Available without pre-acceptance medical examination.
5. Outpatient Expenses: Outpatient expenses incurred at Network Hospitals or Diagnostic Centres are covered.
6. Automatic Restoration of Sum Insured: In case of full exhaustion of the Sum Insured during the policy year, it is 100% restored once during the policy period.
7. Personal Accident Cover: Provides worldwide personal accident cover at no additional cost.
8. Instalment Options: Premiums can be paid on a half-yearly, annual, biennial (once in 2 years), or triennial (once in 3 years) basis.
Coverage Details
Section I – Hospitalisation for Diabetes Complications
- In-Patient Hospitalisation: Covers hospitalisation for over 24 hours due to illness, injury, or complications of diabetes.
- Pre-Hospitalisation: Medical expenses up to 30 days before admission are covered.
- Post-Hospitalisation: Medical expenses for up to 60 days after discharge are covered.
- Room Rent: Single Standard A/C room, boarding, and nursing covered.
- ICU Charges: Covered at actuals.
- Emergency Ambulance: Covered up to ₹2,000 per policy period.
- Day Care Procedures: Covered if the treatment lasts less than 24 hours due to technological advancements.
Special Conditions
Kidney Transplant: Donor expenses covered for kidney transplantation if the insured is the recipient.
Dialysis: Covered up to ₹1,000 per session for up to 24 consecutive months for Chronic Kidney Disease.
Artificial Limbs: Expenses for artificial limbs covered up to 10% of the Sum Insured.
Section II – Regular Hospitalisation Expenses
- Same coverage as Section I, but for non-diabetic conditions.
Section III – Outpatient Expenses
- Coverage for outpatient treatment at Network Hospitals or Diagnostic Centres.
Section IV – Coverage for Modern Treatment
- Covers modern treatments like Balloon Sinuplasty, Intra-Vitreal injections, Robotic Surgeries, etc.
Section V – Personal Accident Cover
- Worldwide personal accident cover in case of accidental death.
Additional Benefits
1. AYUSH Treatment: Expenses for treatment under Ayurveda, Unani, Siddha, and Homeopathy are covered in AYUSH Hospitals up to the Sum Insured.
2. Cataract Treatment: Covered within limits specified in the policy.
For more details, please refer to the Policy Documents and Terms & Conditions.
FAQs
Rahul Khanna
