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Insurance Plans Comparison

Digit Arogya Sanjeevani vs Star Diabetes Safe Plan A

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

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Digit

Arogya Sanjeevani

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

What Makes It Special:

Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...

Best For:

  • Buyers who want AYUSH and modern treatment cover

  • Buyers who do not need maternity or OPD cover

  • Families who want a floater with parents and children under one policy

  • Buyers who want basic in-patient cover at an affordable premium

  • First-time health insurance buyers

VS
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.

Insurance Plans Comparison

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Quick Decision Guide

Digit Arogya Sanjeevani

  • Call 1860-500-8888 to confirm room rent limits and the current network before buying.

  • Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.

  • The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.

  • A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.

  • Maternity is excluded, so choose another plan if you need it.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS
Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
VS

Diabetes Safe Plan A

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

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS

Diabetes Safe Plan A

Information Unavailable

ICU Charges

Arogya Sanjeevani

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

VS

Diabetes Safe Plan A

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

Co-payment

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

VS

Diabetes Safe Plan A

Not specified.

Disease-wise sublimits

Arogya Sanjeevani

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

VS

Diabetes Safe Plan A

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

Cashless Healthcare Providers

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

VS

Diabetes Safe Plan A

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

Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

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.

Daycare Treatment

Arogya Sanjeevani

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital​.

VS

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Diabetes Safe Plan A

Not specified.

AYUSH Treatment

Arogya Sanjeevani

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital​.

VS

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.

Consumable Cover

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Diabetes Safe Plan A

Not specified.

Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

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.
Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

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.

PED Waiting Period

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

VS

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

Modern Treatment

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

VS

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
Annual Health Checkup

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Diabetes Safe Plan A

Not specified.

Pre-Hospitalisation

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Diabetes Safe Plan A

Up to 30 days before hospital admission.

Post-Hospitalisation

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

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.

Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

VS

Diabetes Safe Plan A

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

Deductible Option

Arogya Sanjeevani

kindly refer to the policy wording.

VS

Diabetes Safe Plan A

Not specified.

Coverage Options

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

VS

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

Claim Settlement Ratio

Arogya Sanjeevani

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Diabetes Safe Plan A

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

Insurance Plans Comparison

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Insurance Plans Comparison

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  • One policy covers the entire family

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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