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Insurance Plans Comparison

Star Diabetes Safe Plan A vs ICICI Lombard Golden Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

VS
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

ICICI Lombard Golden Shield

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

ICU Charges

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Advanced Treatments

Diabetes Safe Plan A

Information Unavailable

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

Co-payment

Diabetes Safe Plan A

Not specified.

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Disease-wise sublimits

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Restoration Benefit

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Cashless Healthcare Providers

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

VS

Golden Shield

10,896+ hospitals across India.

Cumulative Bonus

Diabetes Safe Plan A

Not specified.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

Daycare Treatment

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

VS

Golden Shield

Covered under the policy. 

Consumable Cover

Diabetes Safe Plan A

Not specified.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

AYUSH Treatment

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

VS

Golden Shield

Covered under this policy

Initial Waiting Period

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

Diabetes Safe Plan A

Not specified.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Diabetes Safe Plan A

Up to 30 days before hospital admission.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

Diabetes Safe Plan A

Not specified.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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