Star Diabetes Safe Insurance Policy
vs
National Health Group Mediclaim Policy
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| PLAN DETAILS |
 Star Diabetes Safe Insurance Policy |
 National Health Group Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Critical Illness Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 3200 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Covered |
| Plan Entry Age | 18-65 Years | Min- 3 Months, Max- No Limit |
| Plan Premium Entry Age and S/A | 14142 | 1,404 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 1,404 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1, 2, 3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 65 | 91.31 |
| Solvency Ratio | 2.0 | 0.3 |
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The plan also covers the complications and other illnesses that arise due to diabetes. The plan is offered to individuals in 2 variants namely,
Star Diabetes Safe Insurance Policy is offered on an individual and family floater basis. Anyone between the age of 18 to 65 years can avail the benefits of this policy. Star health diabetes safe health insurance plan integrates multiple benefits in order to provide the best medical care to diabetes patients like automatic restoration of sum insured, personal accident cover, outpatient expenses, ambulance cover, Dialysis expenses, and more. The plan offers sum insured options between INR 3 to 10 Lakhs. Star Health Diabetes Safe Health Insurance plan provides a lifelong renewability feature however, change of plan variant is not allowed even at the time of renewals at any time in the future.
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