Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
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.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Individuals investing in Star Diabetes Safe Insurance policy are entitled to a plethora of benefits and features mentioned below:
18 Years
65 years
Individual/Family Floater
1/2/3 Years
3 L | 4 L | 5 L | 10 L
30 Days*
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered Up to 30 Days
Post-Hospitalization
Covered, up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered Up to 7.5k
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Applicable, 100% of the SI
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to INR 2,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Available
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered Up to 30 Days
Post-Hospitalization
Covered, up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered Up to 7k
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Applicable, 100% of the SI
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to INR 2,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under Star Diabetes Safe Plan?
Under Star Diabetes Safe Insurance Policy, the room rent is covered.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under Star Diabetes Safe Plan?
Under Star Diabetes Safe Insurance Policy, ICU charges are covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Diabetes Safe Plan?
Under Star Diabetes Safe Insurance Policy, pre-hospitalization is covered for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy covers medical expenses incurred during post-hospitalization for 60 Days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy does not cover domiciliary hospitalizations.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy covers the expenses of all daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star Diabetes Safe Plan?
OPD charges are covered under Star Diabetes Safe Insurance Policy.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy does not cover COVID-19.
A common eye condition in which your vision gets blurred.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy covers Cataract Treatment.
For SI 3 to 5 L - INR 20,000 per eye per hospitalization and INR 30,000 per policy period.
For SI 10 L - INR 30,000 per eye per hospitalization and INR 40,000 per policy period.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy offers a no-claim bonus.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy offers automatic restoration benefits equal to 100% of the base Sum Insured.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Diabetes Safe Plan?
The Daily hospital cash is not available under Star Diabetes Safe Insurance Policy.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Diabetes Safe Plan?
Under the plan, Star Diabetes Safe Insurance Policy the organ donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy Maternity Cover is not available.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, AYUSH treatment is not covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, IVF is not available.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, modern treatments are covered.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, ambulance cover is available up to INR 2k.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, the air ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, global coverage is not covered.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, E-consultation is not covered.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Star Diabetes Safe Plan?
Under the Star Diabetes Safe Insurance Policy, a health check-up is not available.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy does not cover the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Diabetes Safe Plan?
Star Diabetes Safe Insurance Policy does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Star Diabetes Safe Plan?
Not Applicable under Star Diabetes Safe Insurance Policy.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Star Diabetes Safe Plan?
Sub-limits are applicable.
Cataract Cover
For SI 3 to 5 L - INR 20,000 per eye per hospitalization and INR 30,000 per policy period.
For SI 10 L - INR 30,000 per eye per hospitalization and INR 40,000 per policy period.
Outpatient Expenses
Plan A - Up to INR 7.5k
Plan B - Up to INR 7k
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Star Diabetes Safe Insurance Policy:
Pre-existing Diseases
Change of Gender Treatments
Cosmetic or Plastic Surgery
Injuries due to hazardous or adventure sports
Injuries due to unlawful activities
Substance abuse/alcoholism
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 48 Months
Listed Ailments after 24 Months
To understand how much premium one needs to pay towards the Star Diabetes Safe Insurance Policy, let us go through the below example wherein we have illustrated the sample premiums
Sum Insured (in Rs.) | 3 Lakhs | 4 Lakhs | 5 Lakhs | 10 Lakhs |
Premium (In Rs.) | 14,433 | 15,876 | 16,687 | 20,063 |
Sum Insured (in Rs.) | 3 Lakhs | 4 Lakhs | 5 Lakhs | 10 Lakhs |
Premium Payable | 16,036 | 17,640 | 18,963 | 21,807 |
Sum Insured (in Rs.) | 3 Lakhs | 4 Lakhs | 5 Lakhs | 10 Lakhs |
Premium Payable | 20,206 | 22,226 | 23,362 | 28,088 |
Sum Insured (in Rs.) | 3 Lakhs | 4 Lakhs | 5 Lakhs | 10 Lakhs |
Premium Payable | 22,451 | 24,696 | 26,548 | 30,530 |
Premium is Calculated for 1 Year policy term on a yearly premium payment basis including GST for a 30-year-old individual.
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Protection Plan
This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
Individuals can afford diabetes care health plan at an affordable premium rate without worrying about their finances with Star health diabetes safe insurance policy. It has a plethora of benefits including outpatient expenses, in-patient and outpatient coverage, a wide range of sum-insured options, and the facility to cover yourself and your spouse. With two variants of plans, individuals can opt for their own plan variant as per their needs and requirements. The flexible premium payment mode allows insured individuals to manage their finances and stay protected against diabetes and the medical complications arising due to diabetes.
The eligibility criteria for the plan is mentioned below:
Yes, all the premiums paid towards the Star health diabetes safe health insurance plan are eligible for tax benefits under the Income Tax Act, 1961.
There are various sum insured options available under Star health insurance for diabetic patients ranging between 3/4/5 and 10 Lakhs.
The emergency ambulance services covered under the plan is INR 2,000 per policy period.Â
Yes, one person is eligible to avail worldwide personal accident cover at no additional cost in case of accidental death.
See More Health Insurance Articles
See More Health Insurance Articles
Simran
Jamshedpur
April 8, 2024
I am impressed by Star Health reward features and want to be associated with the insurer for a long time
Dinesh
Belgaum
April 8, 2024
I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance
Nitika
Jalandhar
April 8, 2024
My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy
Ashima
Amritsar
April 8, 2024
I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...
Shikha Bajaj
Gurgaon
April 8, 2024
I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience
Kanupriya
Rajkot
April 8, 2024
I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.
Neha Sukheja
Indore
April 8, 2024
I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.
Vaidehi Kanaujia
Indore
April 8, 2024
I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.
Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.
You May Also Know About
*T&C Apply