A PLAN EXCLUSIVELY FOR THOSE WITH TYPE 2 DIABETES & HYPERTENSION.
This policy is exclusively designed for those individuals with Type
2 Diabetes Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance
(IGT) and/or Hypertension. It is a unique plan
that offers Day 1 coverage for all hospitalization arising out of Diabetes and
Hypertension (with no waiting period).
This policy also offers Wellness management program for individuals the
plan is a combined package providing coverage for Inpatient hospitalization
expenses along with wellness program & health rewards that help you monitor
your health. The plan offers coverage on individual sum insured basis.
The
plan has 2 Variants Gold (cost of wellness test included) & Silver ( Cost
of wellness test excluded), both available with/ without co-payment option of
20%.
Plan
Benefits
Comprehensive
health coverage
·
Day 1 coverage
for all hospitalisation arising out of Diabetes and Hypertension (with no
waiting period)
·
Inpatient hospitalization
coverage with no sublimits, including coverage for pre and post hospitalization.
·
Sum insured
options ranging from 2 lacs to 10 lacs.
Health
management with a health reward program
·
An optional
diagnostic monitoring program which includes a doctor consultation, to monitor
and manage your health.
·
Wellness
incentives are offered on good health management through premium discounts and
additional coverage for any health expenses
Support
through a Health Eco-System
·
A
personalised health coach to help guide you throughout your journey towards a
healthy & active lifestyle and also support you with personalized diet and
fitness plans.
·
An access to
a wellness portal that conducts an HRA, tracks your medical values, stores
medical records, provides offers for health service and products.
·
Access to a
centralized helpline to answer any queries you may have.
Exclusions
·
Any
pre-existing condition will be covered after a waiting period of 3 years. Any
condition or illness, complication or ailment arising out of or connected to
the condition of Type 2 Diabetes Mellitus or Impaired Fasting Glucose (IFG) or
Impaired Glucose Tolerance (IGT) or Hypertension is not a part of this waiting
period.
·
2 years
waiting period for specific diseases like cataract, hernia, joint replacement
surgeries, surgery of hydrocele etc.
·
Expenses
arising from HIV or AIDS and related diseases.
·
Congenital
diseases, mental disorder or insanity, cosmetic surgery and weight control
treatments.
·
Abuse of
intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
·
Hospitalization
due to war or an act of war or due to a nuclear, chemical or biological weapon
and radiation of any kind.
·
Pregnancy,
dental treatment, external aids and appliances unless covered under the Plan.
·
Items of
personal comfort and convenience.
·
Experimental,
investigative, and unproven treatment devices and pharmacological regimens.
Please refer to the Policy Wording for the
complete list of exclusions.
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