Any person between 18years and
65 years of age who is already living with
Diabetes Mellitus can take this insurance
No exit age
Policy is available on Individual
and as well as Floater basis
Floater refers to family of
2-Self and Spouse
Policy Benefits
Covering any complications of
Diabetes from day one.
Also provide regular hospitalization
cover for all other ailments/injuries.
Pre Hospitalization expenses
upto 30 days prior to the date of hospitalization.
Post Hospitalization expenses
upto 60 days after discharge from the hospital
not exceeding 7% of the hospitalization expenses
or Rs 5000/- per hospitalization whichever
is less
Pre-medical examination:
Applicable for Plan A
Not Applicable for Plan B
Plan A
(with medical examination)
Plan B
(without medical examination)
Section 1
Section 2
Section 1
Section 2
Coverage
Covers hospitalization
for complications of Diabetes
Covers hospitalization
for all other ailments
Covers hospitalization
for complications of Diabetes
Covers hospitalization
for all other ailments
Waiting Period
No waiting period
1) 30 days (except for
accidents).
2) 24 months for specified illness / diseases
/ treatment.
3) 48 months for all pre-existing diseases
except Diabetes Mellitus.
1) 30 days from the date
of commencement.
2) 15 months - Cardiovascular system, Renal
system, Diseases of eye and foot ulcer.
1) 30 days (except for
accidents).
2) 24 months for specified illness / diseases
/ treatment.
3) 48 months for all pre-existing diseases
except Diabetes Mellitus.
Special Features
Automatic Restoration of Basic
Sum Insured by 100%.
Note : This benefit is not available for Floater
Policy
Cost of artificial limbs due
to amputation up-to 10% of Sum Insured if
a claim for such amputation is admissible
under the policy.
More than 400 day care procedures.
Tax Benefits
Amount paid by any mode other
than by cash for this insurance is eligible
for relief under Section 80D of the Income
Tax Act.
Free look period :
A free look period of 15 days from the date of receipt
of the policy is available for reviewing the policy
terms and conditions. In case insured is not satisfied
he can seek cancellation of the policy and in such
event the Company will allow refund of premium after
adjusting the cost of pre-acceptance of medical
screening , stamp duty charges and proportionate
risk premium for the period concerned provided no
claim has been made until such cancellation. Free
look cancellation is not applicable at the time
of renewal.
No Third Party Administrator,
direct in-house claim settlement.
Faster and hassle free claim
settlement.
Cashless hospitalization.
Network of more than 6000 hospitals
across India.
Free expert medical consultation
over phone 24X7 Toll free helpline.
Maintain personal health records
in electronic format.
insurancetoclaim
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M-78/6, 1st Floor, 3rd Avenue, Anna Nagar
Chennai - 600 102. Email : premrajlic@gmail.com
