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Insurance Plans Comparison

Star Diabetes Safe Plan A vs Star Assure

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

Assure

Star Health Assure Insurance Policy

What Makes It Special:

Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...

Best For:

  • Health-conscious buyers who can earn up to 20% wellness discount on renewal

  • People who want room choice without a cap from ₹10 Lakh Sum Insured

  • Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover

  • Unlimited restoration option plan

  • Premium floater family health plan

  • Flexible high-sum insured protection

  • Flexible options for payment of premium

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 Assure

  • Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.

  • Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.

  • Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.

  • Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.

  • Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.

  • Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.

  • Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.

  • Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.

  • You want maternity and newborn coverage included

  • You want no room rent capping for standard rooms

  • You value unlimited restoration of sum insured

  • You want coverage up to ₹2 crore for family

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
Assure
Assure

Health Insurance Plan

Brochure

Room Rent

Diabetes Safe Plan A

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

Assure

Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.

ICU Charges

Diabetes Safe Plan A

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

VS

Assure

No restriction on ICU room rent

Co-payment

Diabetes Safe Plan A

Not specified.

VS

Assure

0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

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

Assure

No

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

Assure

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

Diabetes Safe Plan A

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

VS

Assure

14000+ Healthcare Providers

Cumulative Bonus

Diabetes Safe Plan A

Not specified.

VS

Assure

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.


Daycare Treatment

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

VS

Assure

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Diabetes Safe Plan A

Not specified.

VS

Assure

Yes

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

Assure

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

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

Assure

30 days.

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

Assure

2 years

PED Waiting Period

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

VS

Assure

36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

Modern Treatment

Diabetes Safe Plan A

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

Assure

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Diabetes Safe Plan A

Not specified.

VS

Assure

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Diabetes Safe Plan A

Up to 30 days before hospital admission.

VS

Assure

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

Assure

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

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

Assure

Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

Deductible Option

Diabetes Safe Plan A

Not specified.

VS

Assure

Available as an option

Coverage Options

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

VS

Assure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

Claim Settlement Ratio

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

VS

Assure

82.31%

Maternity Cover

Diabetes Safe Plan A

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

VS

Assure

Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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

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  • 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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