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Insurance Plans Comparison

Star Diabetes Safe Plan A vs Star Health Gain

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
Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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.

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

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
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Diabetes Safe Plan A

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

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Diabetes Safe Plan A

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

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Diabetes Safe Plan A

Not specified.

VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

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

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

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

Health Gain

Not specified.

Cashless Healthcare Providers

Diabetes Safe Plan A

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

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Cumulative Bonus

Diabetes Safe Plan A

Not specified.

VS

Health Gain

Not specified.

Daycare Treatment

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Diabetes Safe Plan A

Not specified.

VS

Health Gain

Not specified.

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

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

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

Health Gain

30 days, except for covered accident-related claims.

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

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Diabetes Safe Plan A

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

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Diabetes Safe Plan A

Not specified.

VS

Health Gain

Not specified.

Pre-Hospitalisation

Diabetes Safe Plan A

Up to 30 days before hospital admission.

VS

Health Gain

Covered for up to 30 days before hospital admission.

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

Health Gain

Covered for up to 60 days after discharge.

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

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Diabetes Safe Plan A

Not specified.

VS

Health Gain

Not specified.

Coverage Options

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Diabetes Safe Plan A

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

VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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.

1-5 of 10 FAQs

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