Presentation on DIABETES SAFE

1. Star Health and Allied Insurance Co. Ltd. Presentation on DIABETES SAFE

2. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Who can take this policy ? • This cover is exclusively designed for people diagnosed with Diabetes Mellitus Type II

3. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Coverages Hospitalization Expenses incurred as an inpatient for treatment of the following complications • Diabetic Retinopathy requiring Laser treatment • Diabetic Nephoropathy leading to Chronic Renal Failure • Diabetic Foot Ulcer requiring Micro Vascular Surgery

4. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe What is a Hospital? • Hospital, Nursing Home means any institution in India established for indoor care and treatment of sickness and injuries and which Either • It has been registered with the local authorities and is under the supervision of a registered and qualified Medical Practitioner or • Should comply with minimum criteria as under • It should have at least 15 inpatient beds (10 in Class ‘C’ Towns). • Fully equipped operation theatre of its own wherever surgical operation is carried out. • Fully qualified nursing staff under its employment round the clock • Fully qualified Doctor(s) should be in charge round the clock.

5. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Age Limits • Entry Age : 26 Years to 65 Years • Renewal will be accepted up to 70 years

6. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Pre Acceptance Medical Screening The following medical examination will be done at the cost of the Insurer. • Blood Urea • Serum Creatinine • Micro Albuminuria • Blood Pressure Recording • Peripheral artery pulsations in the lower limbs(Dorsalis Pedis & Posterior Tibial)‏ • General examination of Skin and Foot

7. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Sum Insured • Minimum Sum Insured - Rs. 50,000/- • Maximum Sum Insured - Rs. 5,00,000/- (However maximum Sum Insured shall be restricted to Rs. 3,00,000/-)‏ • The following Sum Insured options are available • Rs. 50,000/- • Rs. 1,00,000/- • Rs. 2,00,000/- • Rs. 3,00,000/- • Rs. 4,00,000/- • Rs. 5,00,000/-

8. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Allowable Expenses • Room rent & boarding charges per day @ 2% of the sum insured up-to a maximum of Rs. 2,500/- in Class A cities and Rs. 1,250/- in other locations. Class A Cities – Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkatta, Mumbai, Pune, New Delhi and Secunderabad. • Nursing charges • Surgeons, Anesthetist, Medical Practitioner, Consultants and Specialists fees • Laser Treatment, Peritoneal Dialysis (PD) and Haemodialysis (HD).

9. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Allowable Expenses (Contd.)‏ • Anaesthesia, Blood, Oxygen and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and Diagnostic Imaging modalities and X-ray • Hospital expenses on donor of kidney for renal transplant surgery • Post-renal complications on the insured person • Second transplant following failure of the first transplant covered

10. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Allowable Expenses (Contd.)‏ • Pre-hospitalization expenses incurred for a period of 30 days prior to the date of hospitalization • Post hospitalization expenses for 15 days after the discharge from the hospital for the covered disease

11. Presentation on Diabetes Safe Star Health and Allied Insurance Co. Ltd. Day Care Treatment Minimum of 24 hours Hospitalization is not necessary for the following • Dialysis • Laser procedure for treatment The above treatment shall be taken in the Hospital / Nursing Home and the Insured is discharged on the same day.

12. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Special Conditions applicable to Diabetic Nephropathy leading to Chronic Renal Failure Pre and Post Hospitalisation benefits not available for the purpose of Dialysis and/or Laser procedure under Diabetic Nephropathy Leading to Chronic Renal Failure Expenses for dialysis following Chronic Renal Failure is restricted to 10% of the sum insured or Rs. 50,000/- whichever is less, in the year succeeding the one under which a claim for Chronic renal Failure has been admitted. Expenses on Dialysis in the event of Insured Person developing Post-Transplant renal complications in the same policy period within which the transplant was undertaken, subject to a limit of 5% of the Sum Insured subject to a maximum of Rs. 25,000/-.

13. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Age Sum Insured (Rs.)‏ 26 Years to 35 Years 36 Years to 45 Years 46 Years to 55 Years 56 Years to 65 Years 66 Years to 70 Years 50000 805 990 1235 1485 2225 100000 1140 1615 1900 2185 2470 200000 1885 2565 3420 3765 4105 300000 2300 3135 4180 4600 5020 400000 4655 4990 6650 7315 7980 500000 6385 6840 9120 10035 10945 Premium Rating Premium figures are in Rs. excluding S. Tax

14. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Other Benefits • Benefits under Section 80-D of the IT Act • Cashless Service without involvement of TPA • Direct Tie up with hospitals on an All India Basis • Free advice from General Physician • 24 X 7 In-House Call center (044-2826 3300)‏ • Toll Free Telephone line assistance (1800 425 2255) – for BSNL and MTNL Numbers • Full knowledge based website to offer medical information, including Health Tips. • Frequent health meets to disseminate information on health related topics

15. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Exclusions • Treatment of Cataract • Pre-existing diseases/conditions • Expenses on treament towards Diabetes Mellitus Type II • Expenses towards immuno suppressive drugs/medicines beyond what is allowed in post-hospitalisation benefit • Expenses towards post-donation complications of the donor • Expenses incurred in the first 90 days after taking policy • Cost of walkers, artificial limbs, crutches, wheel chairs and such other similar aids • Diagnostic charges

16. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Exclusions (Contd.)‏ • Expenses on vitamins and tonics unless forming part of treatment for injury or disease • Naturopathy Treatment • Hospital registration charges, record charges, telephone charges and such other charges • Expenses for Non Allopathic Treatment • Expenses incurred for treatment on cosmetic or aesthetic treatment of any description and/or plastic surgery even if necessitated following any of the covered illness/disease

17. Star Health and Allied Insurance Co. Ltd. Presentation on Diabetes Safe Claim Procedure In case of Network Hospitals • Immediate intimation to the Call Centre (1800 425 2255/044-28263300)‏ • The insured has to send a request for ‘Pre Authorization Form’ signed by the Doctor in the Network Hospital • Based on the intimation a field visit will be done by the Star Doctor • Pre Authorization will be issued to the Hospital • Based on the Pre Authorization and the Report by the Star Doctor, Cash Less Treatment will be given by the Network Hospital

18. Star Health and Allied Insurance Co. Ltd. Claim Procedure (Contd.)‏ Presentation on Diabetes Safe In case of Non Network Hospitals • Immediate intimation to the Call Centre (1800 425 2255 /044-28263300)‏ • Claim form will be sent to the Insured. • Based on the intimation a field visit will be done by the Star Doctor • Bills has to be settled by the Insured and will be reimbursed by Star on submitting the following documents • Original Discharge Summary • Main Hospital Bill with Break Up • Investigation Reports with X-Ray Film • Medical Bills with Prescriptions

19. Star Health and Allied Insurance Co. Ltd. Thank You