for Existing Diabetes Patients

Insurance is need, not luxury. You need insurance...



अगर आपको डायबिटीज (मधुमेह) है तो ध्यान दीजिये।
नीचे दी गयी जानकारी आपकी बहुत मदद करेगी।

मधुमेह यानी डायबिटीज के कारण होने वाली बड़ी खर्चीली बीमारियों को आज ही कवर करें अन्यथा इनका इलाज बहुत महँगा भी पड़ सकता है।

साथ ही सामान्य बीमारियों व दुर्घटना के कारण अस्पताल में होने वाले IPD खर्चों का कैशलेस लाभ पाएँ


आपकी साधारण स्वास्थ बीमा पालिसी मधुमेह (डायबिटीज) से होने वाली बड़ी बीमारियों को कवर नहीं करती अगर आपने आवेदन फॉर्म में इसका जिक्र नहीं किया है।

मधुमेह के कारण आपको:

  • किडनी फेल (Rs.3-4 Lakhs annually)
  • हार्ट अटैक (Rs.2.5 to 2.75 lakh)
  • अंधापन (Rs.1-2 Lakhs)
  • फुट अल्सर (Rs.75000+)
  • पैरालिसिस (Rs.1-3 Lakhs annually)

हो सकता है

यह सुविधा सिर्फ 18 वर्ष आयु से 65 वर्ष आयु के वयस्क पुरुष व स्त्रियों के लिए उपलब्ध है।

नवीनीकरण हर साल जीवन भर किया जा सकता है।

मधुमेह को हल्के में लेने की भूल -भूल के भी न करें

मधुमेह ऐसी बीमारी है जो एक बार किसी के शरीर को पकड़ ले तो उसे फिर जीवन भर छोड़ती नहीं। इस बीमारी का जो सबसे बुरा पक्ष है वह यह कि यह शरीर में अन्य कई बीमारियों को भी निमंत्रण देती है।


Online contact and registration forms from Wufoo.




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समय रहते तैयार हो जाओ , वरना सम्पूर्ण खर्चा उठाओ

डायबिटीज (मधुमेह) के मरीजों के लिए विशेष हेल्थ प्लान। साधारण मौसमी बीमारियों व दुर्घटना के कारण जरूरत पड़ने पर अस्पताल में फ्री इलाज पाएँ

क्या आप डायबिटीज यानी मधुमेह से ग्रस्त हैं ?

तो आज ही DIABETES SAFE प्लान लीजिये जो आपको भविष्य में होने वाली साधारण व असाधारण बीमारियों में अस्पताल प्रवेश में आर्थिक मदद देगा

आपको इसमें 4 मुख्य कवर मिलते हैं:

  • दुर्घटना मृत्यु का कवर।
  • साधारण बीमारियों व दुर्घटना के कवर।
  • Diabetes के टेस्ट, परामर्श व दवाइयों का कवर।
  • Diabetes के कारण होने सकने वाली बड़ी घातक बीमारियों का कवर।

SAVE TAX extra upto 1,00,000 using HEALTH PLAN

Section 80D provides for tax deduction from the total taxable income for the payment (by any mode other than cash) of medical insurance premium paid by an Individual or a HUF. This tax deduction is available over and above the deduction of Rs. 1,50,000 under Sec. 80C.

There were estimated 3.4 million DEATHS due to HIGH BLOOD SUGAR in INDIA.

In 2017 72 million diabetes were accounted and are expected to raise to 134 million by 2030.

2% of women and 2.9% men in age group 15 to 19 years are suffering.

2.6% of women in age group 20 to 25 years are suffering.

Diabetes is India's fastest growing disease: 72 million cases recorded in 2017, figure expected to nearly double by 2025.

Wealthy states have higher incidence of diabetes

Tamil Nadu: 53 deaths per 1,00,000 population.
Punjab : 44 deaths per 1,00,000 population.
Karnataka : 42 deaths per 1,00,000 population.
NATIONAL AVERAGE : 23 deaths per 1,00,000 population.

Your NORMAL FAMILY HEALTH PLAN might NOT cover DIABETES resulted complications.

Kindly confirm it, else it will COST you BIG later.

Consult us ... for SPECIAL focused DIABETIC healthplan.

Diabetes miss-management could kill.

Complications casused by diabetes needs money.

Diabetes could result in MAJOR illness, you must cover major complications of diabetes.

Also NORMAL health plan do not cover diabetes UNTIL declared at time of application.

Get SPECIAL PLAN covering diabetes related complications and other IPD requirements like accidental and seasonal disases like dengu, typhoid, malaria, dehydration etc.

Be ready BEFORE its too late....


Over one-fifth of those suffering from Diabetes the world over are in India and the number is swelling year by year. If left unattended it can severely affect vital organs like eyes and the kidneys, and therefore it needs urgent attention. Treatment for such complications can often burn a hole in your pocket.Protection against such an eventuality is offered by Star Health's diabetes care plan for those affected by Diabetes Mellitus Type II.

 COVER THEM at very nominal cost

+ All NORMAL health IPC cover



complications of diabetes

Coverage Offered for Specific Conditions
Eyes: Diabetic Retinopathy requiring laser treatment.
Kidneys: Diabetic Nephropathy leading to chronic renal failure
Feet: Diabetic foot ulcer requiring micro-vascular surgical correction
Who can take this Insurance?
Any person between 26 years and 65 years of age who is diagnosed with Diabetes Mellitus Type II can take this insurance
This limit of 65 years is applicable only for initial entry in to the scheme. Renewals will be accepted up to 70 years

Please note that persons who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer are not eligible to take the policy.

Special Features

Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject to availability of sum insured
Post-renal transplant complications on the insured person covered

Second transplant following failure of the first transplant covered

The annual spend on account of diabetes treatment in India is pegged at Rs 1.5 lakh crore, 4.7 times the Centre's allocation of Rs 32,000 crore on health and three-fourth of the budgeted service tax collections this fiscal, with experts saying that the cost of treatment of the disease is rising by 20-30% every year.

A study by Lancet has ex pressed concern over the rising cost of insulin, making it virtually unaffordable for a large chunk of patients globally with India, known as the diabetes capital of the world, accounting for 60 million of them.

The economic burden of diabetes is high in the country as most patients pay outof-pocket, and due to lack of medical reimbursement.While diabetes rate has increased by around 45% globally, it has jumped 123% in India between 1990 and 2013, according to the Institute for Health Metrics and Evaluation at the University of Washington.

The cost of diabetes care, including direct as well as indirect costs as loss of production, was pegged at Rs 1.5 lakh crore in 2010 and has been rising significantly over the years. Pointing at rising costs, fewer generic developments, limited competition and huge mark-ups by phar maceutical companies in the insulin space, the Lancet study says, “Substantial attention has been given to the issue of access to medicines for communicable diseases; however, access to essential medicines for diabetes, especially insulin, has had insufficient focus.“

Highlighting the factors affecting affordability , the study says one possible explanation is the market domination by three multinational companies, which control 99% of the global insulin market in terms of value and 96% in terms of volume.

Insulin is used by all people with Type 1 diabetes and up to a quarter of those with Type 2 disease to control blood sugar and regulate metabolism.

In India, most of the insulin that is used is imported. Doctors say hike in prices of insulin is also largely driven by its indiscriminate use by doctors, apart from active promotion of newer first-line insulin by various pharmaceutical companies.

“Cost of diabetes care is vastly increased if a patient is taking multiple insulin injections. This cost is almost quadrupled if the latest insulins are used.


 Get more details

Importantly , these costly insulin, now aggressively pushed in Indian market, offer no advantage to low-cost previous generation insulins in most cases.

Indian physicians should keep this in mind that while treating patients on costly multiple drugs and insulin regimen,“ said Dr Anoop Misra, Chairman, Fortis CDOC hospital for diabetes and allied specialities.

The Lancet study also warns against the rapid rise in the use of analogue or synthetic insulin, causing animal insulin to vanish from the market.

According to Dr Vijay Viswanathan, Head and Chief Diabetologist in Chennai's MV Hospital for Diabetes, the cost of old medicines or insulin usually remain the same with very slight annual increase, but it is the new patented ones which affect the cost of care immensely .

Data show diabetes is now also among the top ten reasons for various other disorders among both men and women as it breeds obesity, obstructive sleep apnoea, severe kidney and lower urinary tract infection, stroke and many other diseases. It can also have adverse effect on eyesight.

According to the study , rising insulin costs threaten the health of poor residents even in the richest nations.

When purchasing any mediclaim or health insurance plan always look for following things:

1) Cashless hospital network in your locality (more the hospital the better it is).

2) Quality of hospitals covered under cashless network.

3) Exclusions and waiting period of your health insurance plan.

4) Are there any cappings in your policy.

5) Who will support you in case you need to file any claim in emergency.

6) Do visit your local hospitals listed in your policy to ensure cashless facility is given.

7) Always take your policy from a wealth consultant rather than online, as they are more sensitive towards you and will be helpfull in case of emergencies as compared to any of the customer care desk executive.

Online contact and registration forms from Wufoo.


to our clients through 3rd party expert dietician having over 14 years of experience and listed over practo.

Even if your parents are adequately covered by your employer, the cover provided would cease to exist post-retirement or you being fired or due to change in expenditure policy by employer. Considering the current rate of medical inflation in India, adequate health insurance has become a must-have for each and every individual, and if the individual happens to be your parent, the need to buy a senior citizen health insurance plan becomes all the more important.

REMEBER: your employer is not bound to cover your parents health expenses. know more

for Existing Diabetes Patients