Coverage

What Diabetes Care covers/provides?

Financial Cover

• Lump-sum amount paid on 1st diagnosis of any of the 6 critical illnesses, i.e. Coronary Artery Bypass Graft (CABG), Cancer, End stage renal failure, Heart Attack, Major organ transplant (as a recipient) and Stroke. Please refer to critical illnesses covered for a detailed description.
• If Diabetes Enhanced Benefit Rider is taken, a lump-sum amount (equivalent to 10% of the Base Sum Assured) is paid in the event of limb amputation due to diabetic complications or LASER treatment for diabetic retinopathy. Please refer to Diabetes Enhanced Benefit Rider for details.
• The payout is made only in case the critical illness occurs for the first time.

Diagnosis & Testing

• Regular free testing (HbA1c, Blood Pressure and Pulse rate check) every 4th & 8th month, during the policy term.
• A comprehensive medical check-up will be provided every year, till the end of the first 4 policy years.
• One free consultation every year with an expert physician, till the end of the first 4 policy years.
• Free home collection of blood samples for testing.
• Test results will be available on the Diabetes Care website.

Partnerships

• Concessions on products offered by our partners.

What Diabetes Care does not cover/not provide?

Financial Cover

• If the policyholder does not survive beyond 28 days from the date of diagnosis of a critical illness, the policyholder will not be eligible to receive the critical illness payout.
• After the lump-sum payout is made for the 1st critical illness, the policy stands terminated.

Diagnosis & Testing

• Tests from diagnostic centers or doctors who are not from our empanelled network will not be accepted/will not be paid for.
• Any additional consultations or tests conducted will not be covered or reimbursed under the plan.

  Partnerships

• There will be no reimbursement offered against drug purchases, insulin or insulin delivery mechanisms.