{"uin":"SHAHLIP23081V082223","name":"Diabetes Safe Insurance Policy","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223","insurer":{"slug":"star-health-and-allied-insurance","name":"Star Health & Allied Insurance Co.Ltd.","url":"https://indiainsurances.com/insurer/star-health-and-allied-insurance"},"line":"health","category":"disease-specific","category_name":"Disease-specific cover","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-08-14","withdrawn_on":null,"summary":"Star Health's Diabetes Safe Insurance Policy is for people aged 18 to 65 with Type 1 or Type 2 diabetes and pays hospital bills for declared complications of diabetes and for other illness and accidents, with outpatient cover and an accidental death benefit. It has Plan A (medical examination required) and Plan B (no examination), sums insured of Rs.3,00,000 to Rs.10,00,000 and a 36-month pre-existing disease wait for regular hospitalisation.","analysis":{"state":"extracted","analysed_at":"2026-10-19 16:40:21.389753+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Plan A","Plan B"],"display":"Plan A and Plan B","note":"Plan A needs a pre-acceptance medical examination, Plan B does not; the plan cannot be changed later. Plan B only: 12-month wait for listed systems under Section 1 and a cardiovascular sub-limit (Rs.2,00,000 to Rs.4,00,000 by sum insured); outpatient (Section 3) limits also differ by plan. Individual or floater (self and spouse) basis.","quote":"There are 2 plans available under this policy:- ... Plan A: Pre-acceptance medical examination is required for all persons opting for this plan. - Plan B: No pre acceptance medical examination. ... Change of Plan: Once a plan has been opted, the plan cannot be changed either during the currency of the policy or on renewal. ... Applicable for Section 1 under Plan B A. Expenses related to the treatment of following listed systems shall be excluded until the expiry of 12 months ... For Claims directly or indirectly relating to the Cardio Vascular System the following sub limits apply under Plan B ... The policy is available on Individual Basis as well as on Floater Basis ... 3,00,000 | 2,00,000 ... 10,00,000 | 4,00,000","sources":[{"clause":null,"heading":"There are 2 plans available under this policy:-","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-there-are-2-plans-available-under-this-policy"},{"clause":"Excl02","heading":"Specified disease / procedure waiting period - Code Excl 02","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02"},{"clause":null,"heading":"Applicable for Plan B","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-applicable-for-plan-b"},{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1, 2 or 3 years.","display":"1, 2 or 3 years","note":"From the prospectus. For policies over one year the basic sum insured applies to each year without carry over.","quote":"The policy is available for 1 year / 2 years / 3 years ... For policies more than one year, the Basic Sum Insured is for each year, without any carry over benefit thereof","sources":[{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Notice before hospitalisation and in any case within 24 hours of hospitalisation; for emergency hospitalisation, within 24 hours after admission.","display":"Before hospitalisation, at most 24 hours after admission","note":"Reimbursement claims must be filed within 15 days of discharge; post-hospitalisation bills within 15 days after the 60 days following discharge. The company may relax the time limits on merits.","quote":"notice with full particulars shall be sent to the Company prior to hospitalisation and in any case not later than 24 hours from the time of Hospitalisation ... In case of emergency hospitalization information to be given within 24 hours after hospitalization ... Claim must be filed within 15 days from the date of discharge from the Hospital. ... within 15 days after completion of 60 days from the date of discharge from hospital. ... However the company may examine and relax the time limits mentioned in condition C and D depending upon the merits of the Case","sources":[{"clause":"2","heading":"Claim Settlement","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-2-2"},{"clause":"5","heading":"Fraud: lf any claim made by the insured person, is in any respect fraudulent, or if any","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-5-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly completed claim form","Pre Admission investigations and treatment papers","Discharge Summary from the hospital","Cash receipts from hospital, chemists","Cash receipts and reports for tests done","Receipts from doctors, surgeons, anesthetist","Certificate from the attending doctor regarding the diagnosis","Copy of PAN card","KYC (Identity proof with Address) of the proposer","NEFT documents","CKYC No. of the proposer (if available)"],"display":"Claim form, discharge summary, bills and receipts, test reports, doctor's certificate, PAN, KYC, bank details","note":"For accidental death (Section 5): death certificate, post-mortem certificate if conducted, FIR, police report, viscera and forensic reports where required, legal heir and succession certificates. Prospectus asks for the discharge summary in original.","quote":"a) Duly completed claim form, and\nb) Pre Admission investigations and treatment papers\nc) Discharge Summary from the hospital\nd) Cash receipts from hospital, chemists\ne) Cash receipts and reports for tests done\nf) Receipts from doctors, surgeons, anesthetist\ng) Certificate from the attending doctor regarding the diagnosis.\nh) Copy of PAN card\ni) KYC (Identity proof with Address) of the proposer, as per AML Guidelines\nj) NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code\nk) CKYC No. of the proposer (if available)","sources":[{"clause":"2","heading":"Claim Settlement","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The documents give filing time limits for the insured but no time within which the company decides or pays a claim.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases for 36 months (Section 2 and Section 4)","Listed diseases and procedures for 24 months (Section 2 and Section 4); listed systems for 12 months under Section 1 of Plan B","Any illness in the first 30 days except accidents","Admission primarily for diagnostics and evaluation","Rest cure, rehabilitation and respite care","Cosmetic or plastic surgery","Hazardous or adventure sports","Treatment for alcoholism, drug or substance abuse","Sterility and infertility","Maternity","Congenital external condition / defects / anomalies","Intentional self-injury","War, invasion, act of foreign enemy","Unconventional, untested, experimental therapies","Existing diseases disclosed and placed under permanent exclusion in the schedule"],"display":"Waiting periods, then standard and specific exclusions (see list)","note":"Pre-existing disease and 24-month waits apply to Section 2 and Section 4; Section 1 covers only diabetes complications declared and accepted. Section 5 (personal accident) has its own exclusions.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Applicable for Section 1 under Plan B A. Expenses related to the treatment of following listed systems shall be excluded until the expiry of 12 months ... excluded until the expiry of 24 months of continuous coverage ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Rest Cure, rehabilitation and respite care ... Cosmetic or plastic Surgery ... Hazardous or Adventure sports ... Treatment for Alcoholism, drug or substance abuse ... Sterility and Infertility ... Maternity - Code Excl 18 ... Congenital External Condition / Defects / Anomalies ... Intentional self -injury ... war, invasion, act of foreign ... Unconventional, Untested, Experimental therapies ... Existing disease/s, disclosed by the Insured and mentioned in the policy schedule","sources":[{"clause":"1","heading":"Pre-Existing Diseases Applicable for Section 2 and Section 4 under Plan A and Plan B - Code Excl 01","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-1-2"},{"clause":null,"heading":"3. 30-day waiting period - Code Excl 03","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-3-30-day-waiting-period-code-excl-03"},{"clause":"4","heading":"Investigation & Evaluation - Code Excl 04","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-4-2"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-5-2"},{"clause":"8","heading":"Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-8"},{"clause":"9","heading":"Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-9"},{"clause":"12","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-12"},{"clause":"17","heading":"Sterility and Infertility - Code Excl 17","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-17"},{"clause":"18","heading":"Maternity - Code Excl 18","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-18"},{"clause":"20","heading":"Congenital External Condition / Defects / Anomalies - Code Excl 20","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-20"},{"clause":"22","heading":"Intentional self -injury - Code Excl 22","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-22"},{"clause":"23","heading":"Injury/disease caused by or arising from or attributable to war, invasion, act of foreign","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-23"},{"clause":"26","heading":"Unconventional, Untested, Experimental therapies - Code Excl 27","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-26"},{"clause":"34","heading":"Existing disease/s, disclosed by the Insured and mentioned in the policy schedule","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-34"},{"clause":"Excl02","heading":"Specified disease / procedure waiting period - Code Excl 02","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Contact Star Health through its website, e-mail gro@starhealth.in or grievances@starhealth.in, phone 044-69006900 or toll free 1800 425 2255, post, or any branch grievance cell; if not satisfied, the grievance officer at 044-43664600.","display":"Star Health grievance cell: gro@starhealth.in, 1800 425 2255; then grievance officer 044-43664600","note":"Senior citizens: 044-69007500. Post: 4th Floor, Balaji Complex, No.15, Whites Lane, Royapettah, Chennai 600014. Then the Insurance Ombudsman or IRDAI Bima Bharosa.","quote":"Incase of any grievance the insured person may contact ... the Company through\nWebsite | : www.starhealth.in\nE-mail | : gro@starhealth.in, grievances@starhealth.in\nPh. No. | : 044-69006900 | Toll Free No. 1800 425 2255 ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at 044-43664600.","sources":[{"clause":"15","heading":"Redressal of Grievance: Incase of any grievance the insured person may contact","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-15-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Rs.3,00,000, Rs.4,00,000, Rs.5,00,000 or Rs.10,00,000.","display":"Rs.3,00,000, Rs.4,00,000, Rs.5,00,000 or Rs.10,00,000","note":"From the prospectus. Individual or floater basis. Section 5 personal accident sum insured equals the Section 1/2 sum insured.","quote":"The insurance is available for sum insured of Rs.3,00,000/-, Rs.4,00,000/-, Rs.5,00,000/- and Rs.10,00,000/- ... The policy is available on Individual Basis as well as on Floater Basis ... The sum insured for this Section is equal to the sum insured opted for Section 1 / 2","sources":[{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"},{"clause":"4","heading":"The sum insured for this Section is equal to the sum insured opted for Section 1 / 2","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-4"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to Section 2 and Section 4 under both plans and to Section 1 under Plan B; not listed for Section 1 under Plan A. Accidents excepted. Does not apply if the insured person has continuous coverage for more than twelve months; applies afresh to an enhanced sum insured.","quote":"Applicable for Section 1 under Plan B; ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Applicable for Section 2 and Section 4 under Plan A and Plan B; ... This exclusion shall not, however, apply if the Insured Person has continuous coverage for more than twelve months ... The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently","sources":[{"clause":null,"heading":"3. 30-day waiting period - Code Excl 03","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-3-30-day-waiting-period-code-excl-03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies to Section 2 and Section 4. Section 1 covers diabetes complications only if declared by the insured and accepted by the company. Cover after 36 months requires the disease to have been declared and accepted.","quote":"Pre-Existing Diseases Applicable for Section 2 and Section 4 under Plan A and Plan B - Code Excl 01 ... Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer ... D. Coverage under the policy after the expiry of 36 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer ... Note: Only complications of Diabetes that are declared by the insured and accepted by the company shall be considered as covered under Section 1.","sources":[{"clause":"1","heading":"Pre-Existing Diseases Applicable for Section 2 and Section 4 under Plan A and Plan B - Code Excl 01","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-1-2"},{"clause":"Excl01","heading":"Pre-Existing Diseases Applicable for Section 2 and Section 4 under Plan A and Plan B","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl01"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"Plan B only: Section 1 (diabetes complications) has a 12-month wait for Cardio Vascular System, Renal System, Diseases of eye, Diabetic Peripheral Vascular Diseases and Foot Ulcer. Accidents excepted. Where a listed condition is also pre-existing, the longer wait applies.","quote":"Applicable for Section 2 and Section 4 under Plan A and Plan B A. Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. ... Applicable for Section 1 under Plan B A. Expenses related to the treatment of following listed systems shall be excluded until the expiry of 12 months ... D. List of Systems: Cardio Vascular System, Renal System, Diseases of eye, Diabetic Peripheral Vascular Diseases and Foot Ulcer ... C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply","sources":[{"clause":"1","heading":"Pre-Existing Diseases Applicable for Section 2 and Section 4 under Plan A and Plan B - Code Excl 01","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-1-2"},{"clause":"Excl02","heading":"Specified disease / procedure waiting period - Code Excl 02","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Cataract and diseases of the Anterior and Posterior Chamber of the Eye","Retinal detachment","Glaucoma","Diseases of ENT","Diseases related to Thyroid","Prolapse of intervertebral disc (other than caused by accident)","Varicose veins and Varicose ulcers","all Diseases of Prostrate","Stricture Urethra","all Obstructive Uropathies","benign prostatic hypertrophy","stapedectomy","all types of Hernia","Epididymal Cyst","Benign Tumours of Epididymis","Spermatocele","Varicocoel","Hydrocele","Fistula / Fissure in ano","Hemorrhoids","Pilonidal Sinus and Fistula","Rectal Prolapse","Stress Incontinence","Congenital Internal disease / defect","Desmoid Tumour of anterior abdominal wall","Gall Bladder and Pancreatic diseases","Hepato pancreato biliary diseases including gall bladder and pancreatic calculi","kidney calculi and genitourinary tract calculi","Diseases of Uterus, Fallopian Tubes, Cervix and Ovaries","Uterine Bleeding","Pelvic Inflammatory Diseases","Benign breast diseases","Umbilical Sinus, Umbilical Fistula","diseases related to tendon, ligament, Fascia, bones and joint including Arthroscopy and Arthroplasty","Degenerative disc and vertebral diseases including Replacement of bones and joints","degenerative diseases of the musculo-skeletal system","Subcutaneous benign lumps, sebaceous cyst, dermoid cyst, Mucous Cyst lip/cheek","Carpel Tunnel Syndrome","Trigger Finger","lipoma, neurofibroma, ganglion and similar pathology","Any transplant and related surgery"],"display":"Cataract, ENT, Thyroid, Prostrate, Hernia, Hemorrhoids, Gall Bladder, kidney calculi, Uterus, tendon, ligament, bones and joint, Degenerative disc, benign lumps, Any transplant and others","note":"Quoted from the prospectus because the wording's list is interleaved with a table in the extracted text; the wording prints the same list (24 months, Section 2 and 4). Plan B Section 1 12-month list: Cardio Vascular System, Renal System, Diseases of eye, Diabetic Peripheral Vascular Diseases and Foot Ulcer.","quote":"a) Cataract and diseases of the Anterior and Posterior Chamber of the Eye, Retinal detachment, Glaucoma, Diseases of ENT, Diseases related to Thyroid, Prolapse of intervertebral disc (other than caused by accident), Varicose veins and Varicose ulcers, all Diseases of Prostrate, Stricture Urethra, all Obstructive Uropathies, benign prostatic hypertrophy, stapedectomy, all types of Hernia, Epididymal Cyst, Benign Tumours of Epididymis, Spermatocele, Varicocoel, Hydrocele, Fistula / Fissure in ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence, and Congenital Internal disease / defect ... b) Desmoid Tumour of anterior abdominal wall, Gall Bladder and Pancreatic diseases and All treatments (conservative, interventional, laparoscopic and open) for Hepato pancreato biliary diseases including gall bladder and pancreatic calculi. All types of management for kidney calculi and genitourinary tract calculi ... c) All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Uterus, Fallopian Tubes, Cervix and Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases, Benign breast diseases, Umbilical Sinus, Umbilical Fistula ... d) Conservative, operative treatment of all types of intervention for diseases related to tendon, ligament, Fascia, bones and joint including Arthroscopy and Arthroplasty [other than caused by accident] ... e) Degenerative disc and vertebral diseases including Replacement of bones and joints and degenerative diseases of the musculo-skeletal system ... f) Subcutaneous benign lumps, sebaceous cyst, dermoid cyst, Mucous Cyst lip/cheek, Carpel Tunnel Syndrome, Trigger Finger, lipoma, neurofibroma, ganglion and similar pathology ... g) Any transplant and related surgery","sources":[{"clause":"Excl02(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-a"},{"clause":"Excl02(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-b"},{"clause":"Excl02(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-c"},{"clause":"Excl02(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-d"},{"clause":"Excl02(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-e"},{"clause":"Excl02(f)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-f"},{"clause":"Excl02(g)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-excl02-g"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured the 60 months run from the date of enhancement on the enhanced amount.","quote":"After completion of sixty continuous months of coverage ... (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"11","heading":"Moratorium Period: After completion of sixty continuous months of coverage","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-11-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes, for Section 2 and Section 4 only: apply to the new insurer at least 30 days but not earlier than 60 days before renewal, and keep accrued waiting-period credit.","display":"Yes, Sections 2 and 4 only, with waiting-period credit","note":"Migration to other Star Health products is also allowed for Sections 2 and 4, applying at least 30 days before renewal.","quote":"Portability (Applicable only for Section 2 and Section 4): The insured person will ... have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date ... the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability. ... The insured person will have the option to migrate the policy to other health insurance products/plans offered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date","sources":[{"clause":"8","heading":"Portability (Applicable only for Section 2 and Section 4): The insured person will","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-8-2"},{"clause":"7","heading":"Migration (Applicable only for Section 2 and Section 4): The insured person will","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-7-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, no exit age","note":"From the prospectus. The wording says the policy is ordinarily renewable except on grounds of fraud or misrepresentation.","quote":"This limit of 65 years is for entry level only into this scheme. Beyond 65 years only renewals accepted. There is no capping on exit age ... The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person","sources":[{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"},{"clause":"9","heading":"Renewal of policy: The policy shall ordinarily be renewable except on grounds of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-9-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies on renewal based on individual claims experience, and renewal is not denied because of claims.","display":"No claim-based loading","note":"The company may revise premium rates under the guidelines with 30 days' notice.","quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years ... No loading shall apply on renewals based on individual claims experience ... The Company, may revise or modify the terms of the policy including the premium rates as per the extant Guidelines. The insured person shall be notified thirty days before the changes are effected.","sources":[{"clause":"9","heading":"Renewal of policy: The policy shall ordinarily be renewable except on grounds of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-9-2"},{"clause":"13","heading":"Possibility of Revision of Terms of the Policy lncluding the Premium Rates: The","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-13-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl 04)","Rest Cure, rehabilitation and respite care (Excl 05)","Obesity / Weight Control (Excl 06)","Change-of-Gender treatments (Excl 07)","Cosmetic or plastic Surgery (Excl 08)","Hazardous or Adventure sports (Excl 09)","Breach of law (Excl 10)","Excluded Providers (Excl 11)","Treatment for Alcoholism, drug or substance abuse (Excl 12)","Treatments received in health hydros, nature cure clinics, spas (Excl 13)","Dietary supplements and substances that can be purchased without prescription (Excl 14)","Refractive Error less than 7.5 dioptres (Excl 15)","Unproven Treatments (Excl 16)","Sterility and Infertility (Excl 17)","Maternity (Excl 18)","Circumcision, Preputioplasty, Frenuloplasty (Excl 19)","Congenital External Condition / Defects / Anomalies (Excl 20)","Convalescence, general debility, run-down condition, Nutritional deficiency states (Excl 21)","Intentional self -injury (Excl 22)","War, invasion, act of foreign enemy (Excl 24)","Nuclear weapons/ materials (Excl 25)","Enhanced External Counter Pulsation Therapy, Chelation therapy, Hyperbaric Oxygen Therapy and similar (Excl 26)","Unconventional, Untested, Experimental therapies (Excl 27)","Artificial Pancreas, Chondrocyte Implantation, Platelet Rich plasma, Intra articular injection therapy (Excl 28)","Biologicals, except as an in-patient (Excl 29)","Inoculation or Vaccination (Excl 31)","Hospital registration, admission, record, telephone charges (Excl 34)","Cost of spectacles and contact lens, hearing aids, Cochlear implants, walkers, wheel chairs, CPAP, BIPAP and similar aids (Excl 35)","Hospitalization not medically necessary (Excl 36)","Other Excluded Expenses as detailed in the website (Excl 37)","Existing diseases disclosed and placed under Permanent Exclusion in the schedule (Excl 38)"],"display":"Standard exclusions Excl 04 to Excl 18 plus the product's own exclusions (see list)","note":"Quoted from the prospectus, whose numbering is cleaner; the wording prints the same list. Codes Excl 23, 30, 32 and 33 are not printed. Exclusions 15, 17, 18, 29 and 31 (by list number) do not apply to Section 3 outpatient cover. Section 5 personal accident has its own exclusions.","quote":"Investigation & Evaluation - Code Excl 04 ... Rest Cure, rehabilitation and respite care - Code Excl 05 ... Obesity/ Weight Control - Code Excl 06 ... Change-of-Gender treatments - Code Excl 07 ... Cosmetic or plastic Surgery - Code Excl 08 ... Hazardous or Adventure sports - Code Excl 09 ... Breach of law - Code Excl 10 ... Excluded Providers - Code Excl 11 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... - Code Excl 13 ... Dietary supplements and substances that can be purchased without prescription ... - Code Excl 14 ... Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. ... Unproven Treatments - Code Excl 16 ... Sterility and Infertility - Code Excl 17 ... Maternity - Code Excl 18 ... Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty, Frenuloplasty, Preputial Dilatation and Removal of SMEGMA - Code Excl 19 ... Congenital External Condition / Defects / Anomalies - Code Excl 20 ... Convalescence, general debility, run-down condition, Nutritional deficiency states - Code Excl 21 ... Intentional self -injury - Code Excl 22 ... Injury/disease caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not) - Code Excl 24 ... Injury or disease caused by or contributed to by nuclear weapons/ materials - Code Excl 25 ... Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy ... - Code Excl 26 ... Unconventional, Untested, Experimental therapies - Code Excl 27 ... Artificial Pancreas, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 ... Biologicals, except when administered as an in-patient ... - Code Excl 29 ... Inoculation or Vaccination ... - Code Excl 31 ... Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 ... Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 ... Any hospitalization which are not medically necessary / does not warrant hospitalization - Code Excl 36 ... Other Excluded Expenses as detailed in the website www.starhealth.in - Code Excl 37 ... Existing disease/s, disclosed by the Insured and mentioned in the policy schedule under Permanent Exclusion (based on Insured's consent) - Code Excl 38 ... Note: Exclusion nos. 15, 17, 18, 29, 31 are not applicable for Section 3","sources":[{"clause":"4","heading":"Investigation & Evaluation - Code Excl 04","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-4"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care - Code Excl 05","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-5"},{"clause":"6","heading":"Obesity/ Weight Control - Code Excl 06","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-6"},{"clause":"7","heading":"Change-of-Gender treatments - Code Excl 07","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-7"},{"clause":"8","heading":"Cosmetic or plastic Surgery - Code Excl 08","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-8"},{"clause":"9","heading":"Hazardous or Adventure sports - Code Excl 09","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-9"},{"clause":"10","heading":"Breach of law - Code Excl 10","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-10"},{"clause":"11","heading":"Excluded Providers - Code Excl 11","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-11"},{"clause":"12","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-12"},{"clause":"13","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-13"},{"clause":"14","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-14"},{"clause":"15","heading":"Refractive Error - Code Excl 15","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-15"},{"clause":"16","heading":"Unproven Treatments - Code Excl 16","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-16"},{"clause":"17","heading":"Sterility and Infertility - Code Excl 17","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-17"},{"clause":"18","heading":"Maternity - Code Excl 18","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-18"},{"clause":"19","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-19"},{"clause":"20","heading":"Congenital External Condition / Defects / Anomalies - Code Excl 20","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-20"},{"clause":"21","heading":"Convalescence, general debility, run-down condition, Nutritional deficiency states","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-21"},{"clause":"22","heading":"Intentional self -injury - Code Excl 22","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-22"},{"clause":"23","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-23"},{"clause":"24","heading":"Injury or disease caused by or contributed to by nuclear weapons/ materials - Code Excl 25","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-24"},{"clause":"25","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-25"},{"clause":"26","heading":"Unconventional, Untested, Experimental therapies - Code Excl 27","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-26"},{"clause":"27","heading":"Artificial Pancreas, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-27"},{"clause":"28","heading":"Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-28"},{"clause":"29","heading":"Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons)","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-29"},{"clause":"30","heading":"Hospital registration charges, admission charges, record charges, telephone charges and such other charges","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-30"},{"clause":"31","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-31"},{"clause":"32","heading":"Any hospitalization which are not medically necessary / does not warrant hospitalization","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-32"},{"clause":"33","heading":"Other Excluded Expenses as detailed in the website www.starhealth.in - Code Excl 37","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-33"},{"clause":"34","heading":"Existing disease/s, disclosed by the Insured and mentioned in the policy schedule under Permanent Exclusion (based on Insured's consent)","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-34"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"With 7 days' written notice: for a policy of up to one year with no claim, a proportionate refund for the unexpired period; for longer policies, the premium for policy years whose cover has not begun. No refund if the company cancels for misrepresentation, non-disclosure or fraud.","display":"Proportionate refund if no claim (1-year policy)","note":"Long-term policy refunds are adjusted for the long-term discount. The wording does not say what is refunded on a one-year policy after a claim. On cancellation for unpaid instalments the wording refers to a cancellation table it does not print; the prospectus says the proportionate premium is refunded.","quote":"The Policyholder may cancel his policy any time during the term by giving 7 days written notice. ... a) refund proportionate premium for unexpired policy period, if policy term is upto one year and there is no claim (s) made during the policy period. ... b) refund premium for the unexpired policy period, in respect of policies with policy term more than 1 year and risk coverage for such policy years has not commenced. ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the Insured Person by giving 15 days' written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud ... Note: Incase of long term policies the refund will be given after adjusting the long term discount availed by the insured/ policyholder. ... In case of policy cancellation, due to non-payment of the instalment within grace period, Company will refund the premium as per the cancellation table. ... In case of policy cancellation due to non-payment of the instalment within grace period, Company will refund the proportionate premium.","sources":[{"clause":"6(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-6-i"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-6-a"},{"clause":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-6-b"},{"clause":"12","heading":"Premium Payment in Instalments: lf the insured person has opted for Payment of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-12-2"},{"clause":null,"heading":"Code Sec5- Excl 11","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-code-sec5-excl-11"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only for treatment; the personal accident death cover (Section 5) applies worldwide.","display":"India (personal accident: worldwide)","note":"The worldwide scope belongs to Section 5 personal accident (accidental death). The wording's extracted text prints the same 'Geographical Scope ... Worldwide' note after the Section 3 outpatient text because its columns are interleaved; the prospectus places it under Section 5.","quote":"Territorial Limit: All medical/surgical treatments under this policy shall have to be ... taken in India. ... Section 5 - Personal Accident for Plan A and Plan B: If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury ... Geographical Scope: The insurance cover applies Worldwide","sources":[{"clause":"22","heading":"Territorial Limit: All medical/surgical treatments under this policy shall have to be","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-22-2"},{"clause":null,"heading":"Applicable for Plan B","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-applicable-for-plan-b"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals or porting. Refund less medical examination and stamp duty costs, or proportionate risk premium if cover has started.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document","sources":[{"clause":"14","heading":"Free Look Period: The Free Look Period shall be applicable on new individual health","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-14-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"30 days for renewal and half-yearly or quarterly instalments; 15 days for a monthly instalment, though the product only offers half-yearly instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy ... For monthly instalment option: Grace Period of 15 days would be given to pay the instalment premium due for the policy.","sources":[{"clause":"9","heading":"Renewal of policy: The policy shall ordinarily be renewable except on grounds of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-9-2"},{"clause":"12","heading":"Premium Payment in Instalments: lf the insured person has opted for Payment of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-12-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"18 to 65 years, for people already suffering from Diabetes Mellitus; renewals continue beyond 65.","display":"18 to 65 years","note":"From the prospectus. Floater only for self and spouse where either is diabetic.","quote":"Any person between 18 years and 65 years of age who is already suffering from Diabetes Mellitus can take this insurance ... Floater policy can be taken only for a family of 2 provided either of the person is a diabetic. Family for the purpose of this policy would mean Self and Spouse only. ... Beyond 65 years only renewals accepted","sources":[{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Half-yearly","Biennial (once in 2 years)","Triennial (once in 3 years)"],"display":"Annual, half-yearly, once in 2 or 3 years","note":"From the prospectus. The wording defines an instalment as half-yearly, though its instalment clause also mentions monthly and quarterly grace periods. For 2 and 3 year terms paid half-yearly, the full premium must be paid within the first year.","quote":"Yes, Premium can be paid Half-yearly Premium can also be paid Annual, Biennial (Once in 2 years) and Triennial (Once in 3 years) ... i) For monthly instalment option: Grace Period of 15 days would be given to pay the instalment premium due for the policy. ii) For Quarterly and Half yearly instalment option: Grace Period of 30 days ... If Instalment Facility is opted for 2 year and 3 year term policies, the full premium applicable for 2 year or 3 year terms should be paid half yearly within the expiry of the first year.","sources":[{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"},{"clause":"12","heading":"Premium Payment in Instalments: lf the insured person has opted for Payment of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-12-2"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"The documents describe no optional covers sold for extra premium.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No for renewal: coverage is not available during the grace period. For premium paid in instalments during the policy period, coverage is available during the grace period.","display":"No at renewal; yes for half-yearly instalments","note":null,"quote":"Coverage is not available during the grace period ... For premium paid in instalments during the policy period, coverage is available during the grace period also","sources":[{"clause":"9","heading":"Renewal of policy: The policy shall ordinarily be renewable except on grounds of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-9-2"},{"clause":"12","heading":"Premium Payment in Instalments: lf the insured person has opted for Payment of","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-12-2"}],"law":[]},{"key":"disease","label":"Disease covered","section":"Cover","meaning":"The condition this policy is for.","status":"cross-checked","value":"Diabetes Mellitus, Type 1 and Type 2: hospitalisation for complications of diabetes, plus regular hospitalisation for other illness and accidents.","display":"Diabetes (Type 1 and Type 2)","note":"Section 1 covers only complications declared by the insured and accepted by the company.","quote":"This policy is for persons who are diabetic both Type 1 and Type 2. The policy provides for payment of hospitalization expenses arising out of any complications of diabetes. This policy also covers regular hospitalization expenses for other illness / disease / accidental injuries.","sources":[{"clause":null,"heading":"PROSPECTUS - DIABETES SAFE INSURANCE POLICY Unique Identification No.: SHAHLIP23081V082223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-prospectus-diabetes-safe-insurance-policy-unique"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum, staged, or hospital bills.","status":"cross-checked","value":"Hospital bills (reimbursement or cashless) up to the sum insured, outpatient expenses up to set limits, and a lump sum equal to the sum insured on accidental death.","display":"Hospital bills; lump sum on accidental death","note":"Section 5 personal accident covers only the person named in the schedule.","quote":"the Company will pay the amount of such expenses as are ... Claims of Out Patient Consultations / treatments (Section 3) will be settled on a reimbursement basis on production of cash receipts ... if such accident causes death of the Insured Person within 12 Calendar months from the date of that Accident, then the Company will pay an amount as compensation the Sum Insured mentioned in the Schedule. ... B. For Cashless Treatment (Section 1, Section 2 and Section 4) ... b) Other expenses like medical consultation, other diagnostics, medicines and drugs upto the limits given below per policy period ... This Section is applicable for the person specifically mentioned in the Schedule","sources":[{"clause":"II(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-ii-a"},{"clause":"2","heading":"Claim Settlement","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-2-2"},{"clause":null,"heading":"Applicable for Plan B","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332#c-applicable-for-plan-b"},{"clause":"II(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-ii-b"},{"clause":"2","heading":"This Section is applicable for the person specifically mentioned in the Schedule","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331#c-2"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before payment.","status":"not-applicable","value":null,"display":null,"note":"The policy pays hospital bills, not a lump sum on diagnosis, so there is no survival period.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Diabetes Safe Insurance Policy - SHAHLIP23081V082223","pages":10,"fetched_at":"2026-10-19 16:40:21.196377+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Policy_Diabetes_Safe_Insurance_Policy_V_19_6347629ec3.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/331"},{"kind":"wording","label":"Diabetes Safe Insurance Policy (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 02:22:21+00","source_url":"https://irdai.gov.in/documents/37343/931203/Diabetes+Safe+Insurance+Policy_2013-2014.pdf/a189ae37-d278-9aac-65ab-782cd9c41a62?version=1.1&t=1668338126294&download=true","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/28145"},{"kind":"prospectus","label":"Diabetes Safe Insurance Policy","pages":11,"fetched_at":"2026-10-19 16:40:21.196377+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Prospectus_Diabetes_Safe_Insurance_Policy_V_12_c8ec1d269d.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/332"},{"kind":"cis","label":"Diabetes Safe Insurance Policy","pages":18,"fetched_at":"2026-10-20 01:57:00+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/CIS_Diabetes_Safe_Insurance_Policy_V_2_78af1f2302.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/31341"},{"kind":"brochure","label":"Diabetes Safe Insurance Policy","pages":9,"fetched_at":"2026-10-20 01:54:56+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Brochure_Diabetes_Safe_Insurance_Policy_V_15_Web_e78080730b.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223/document/31312"}],"versions":[{"uin":"IRDA/NL-HLT/SHAI/P-H/V.I/173/13-14","version":null,"approved_on":null},{"uin":"SHAHLIP23081V082223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Star Health & Allied Insurance official website","url":"https://www.starhealth.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim process","url":"https://www.starhealth.in/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.starhealth.in/grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Instant renewal","url":"https://customer.starhealth.in/customerportal/instant-renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Diabetes Safe Insurance Policy (UIN SHAHLIP23081V082223), IndiaInsurances, https://indiainsurances.com/policy/star-health-and-allied-insurance/diabetes-safe-insurance-policy-shahlip23081v082223"}