Diabetes Safe Insurance Policy – aasthainsurers

Diabetes Safe Insurance Policy

info	Plan A	Plan B
Pre-Insurance Medical Screening Mandatory

info	Plan A	Plan B
In-patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.
Room Rent Room (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
ICU Charges ICU charges at actuals are covered under this policy.
Emergency Ambulance Ambulance charges for transporting the insured person to the hospital by private ambulance service are covered up to Rs. 2000/- per policy period.
Day Care Procedures Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

	Plan A	Plan B
Kidney Transplantation Donor expenses for kidney transplantation are payable if the insured person is the recipient provided the claim for transplantation is payable subject to the availability of the Sum Insured.
Dialysis Expenses Expenses incurred for dialysis (including AV fistula / graft creation changes) is covered up to Rs. 1000/- per siting. If the insured person diagnosed with Chronic Kidney Diseases then the same are covered for 24 consecutive months.
Cost of Artificial Limbs Expenses incurred for the cost of artificial limbs following the amputation are covered up to 10% of the Sum Insured.

	Plan A	Plan B
In-patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.
Room Rent Room (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
ICU Charges ICU charges at actuals are covered under this policy.
Emergency Ambulance Ambulance charges for transporting the insured person to the hospital by private ambulance service are covered up to Rs. 2000/- per policy period.
Day Care Procedures Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.

	Plan A	Plan B
Cataract Treatment Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.

	Plan A	Plan B
Outpatient Expenses Outpatient expenses incurred at Network Hospitals or Diagnostic Centres are covered up to the limits mentioned in the policy clause.

	Plan A	Plan B
Modern Treatment Expenses incurred for modern treatments such as Balloon Sinuplasty, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.

	Plan A	Plan B
Personal Accident Cover One person is eligible to avail worldwide personal accident cover at no additional cost in case of accidental death.

Please refer to the Policy Documents to know the policy details and Terms & Conditions.