Diabetes Safe Insurance Policy Overview
The Diabetes Safe Insurance Policy helps people with diabetes get extended medical coverage for both complications and general medical needs.
- Available for ages 18 to 65 with Type I or Type II Diabetes Mellitus.
- Policy can be taken individually or for family (self and spouse, if one has diabetes).
- Renewal is lifelong; terms of 1, 2, or 3 years.
Plan Benefits
- Covers hospitalization for diabetic complications without waiting (Plan A) or with a 12-month waiting period (Plan B).
- Covers regular hospitalization from accidents and other illnesses.
- Outpatient expenses for diagnostic tests, doctor consultations, medicines, and more.
- Personal Accident cover for accidental death.
- AYUSH treatment expenses for Ayurveda, Unani, Sidha, and Homeopathy.
- Modern treatments included up to limits detailed on the insurer’s website.
- Coverage for kidney donor expenses and dialysis.
Features and Eligibility
- Eligible ages: 18–65 years old.
- No change of plan after enrollment, even at renewal.
- Instalment facility for premium payment (half-yearly, annual, biennial, triennial).
- Pre-acceptance medical screening applicable for Plan A; not required for Plan B.
Coverage Details
- Section 1: Hospitalization due to diabetic complications (room rent, treatment, drugs, ambulance, dialysis, donor expenses, artificial limbs).
- Section 2: Hospitalization due to accidents and non-diabetic illnesses.
- Section 3: Outpatient coverage for specific diabetic tests and medical consultation.
- Section 4: Modern treatments (see website for latest limits).
- Section 5: Accidental death benefit for the insured person (covers only one person at a time).
Exclusions & Limitations
- Expenses due to pre-existing diseases (waiting period 36 months), specific conditions and procedures, and certain treatments (see website and policy terms for full list).
- Treatments not medically necessary, cosmetic procedures, hazardous sports injuries, alcohol/substance abuse, and maternity costs (except ectopic pregnancies).
- For complete exclusion details and updates, refer to the insurer’s policy document and website.
Premium Charts & Coverage Amounts
Choose between Individual and Floater options, with sum insured ranging from ₹3,00,000 to ₹10,00,000 for annual, biennial, or triennial terms.
| Individual Sum Insured | Floater Sum Insured | |
|---|---|---|
| Min. | ₹3,00,000 | ₹3,00,000 |
| Max. | ₹10,00,000 | ₹10,00,000 |
| OP Benefit Limits | ₹1,000–₹5,500 (Plan A), ₹500–₹5,000 (Plan B) | ₹2,000–₹7,500 (Plan A), ₹1,500–₹7,000 (Plan B) |