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EXCLUSIVE PLAN FOR DIABETICS

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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