Diabetes Safe Eligibility

  • Min Entry Age: 18years
  • Max Entry Age: 65 years
  • Family Floater: Available only for 2 peoples - Self+Spouse
  • Sum Insured: 3L to 10L
  • Policy Term: 1year

Diabetes Safe Benefits

  • Cover for complications of Diabetes both type 1 and type 2.
  • Also covers regular hospitalization.
  • Policy can be taken on Individual and Floater basis.
  • Cost of artificial limbs due to amputation up to specified limits.
  • Automatic restoration of entire Sum insured by 100%.
  • More than 400 day care procedures covered.
  • No waiting period for Diabetes complication if undergone medical screening.

Diabetes Safe Features

  • 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- Acceptance Medical Screening :Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.
  • 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.

Diabetes Safe Claim Process

When the member of the covered family is aware of the hospitalisation in advance.In case of planned hospitalisation:
  • Please contact the toll-free help line: 1800 425 2255
  • Fax the Pre-Authorization form duly filled from the hospital at the below numbers
  • Toll-free: 1800 425 5522
  • Non Toll-free: 044 28302200
  • Please carry your ID card and policy schedule.
Emergency:When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.
  • After the patient is rushed to the hospital and avails treatment.
  • Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
  • Toll-free:1800 425 5522
  • Non Toll-free: 044 28302200
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses.

Diabetes Safe Exclusions

  • The costs of immune-suppressive drugs and medicines are not included under this plan
  • Treatment of Diabetes Mellitus Type II is not included
  • Persons who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer are not eligible to take the policy