OneAssure

Health Insurance

Star

Diabetes Safe Plan B

Star Health Diabetes Safe Health Insurance Plan

Built for people with type 1 or type 2 diabetes, it covers hospital bills for diabetes complications after 12 months, also covers non-diabetes hospitalisation, and pays dialysis at ₹1,000 a sitting for up to 24 months.

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

2.25/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Star Diabetes Safe Plan B

Final Verdict

Star Diabetes Safe Plan B offers comprehensive coverage from day one for individuals with pre-existing diabetes, including related complications. Add-ons like Worldwide Emergency and Wellness enhance its value, making it ideal for those needing immediate and extensive diabetes-focused protection.

About

What Is Diabetes Safe Plan B?

The Star Diabetes Safe Plan B is a specialized health insurance plan designed for individuals with pre-existing diabetes. It provides comprehensive coverage for hospitalization, diabetes-related complications, and associated medical expenses from day one. The plan includes pre- and post-hospitalization benefits, dialysis coverage, and regular health checkups. With no waiting period for diabetes-related treatments, it ensures immediate financial protection. Offering flexible sum insured options and affordable premiums, this plan is ideal for managing diabetes while securing long-term healthcare coverage.

Plan B Ratings

Plan B

Insurer Rating

7.07

out of 10

Insurance Rating

2.25

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

No

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Star Diabetes Safe Plan B Inclusions and Exclusions

AYUSH Treatment

Covered under this policy

Room Rent

Room Rent Limit: Capped at 1% of the sum insured per day, up to a maximum of ₹5,000 per day.
ICU Limit: Capped at 2% of the sum insured per day, up to a maximum of ₹10,000 per day

Advanced Treatments

Diabetes care coverage includes Insulin Pump Therapy for continuous insulin delivery, Retinal Laser Treatment to prevent vision loss, and cardiovascular procedures like Angioplasty and Bypass Surgery. It also covers Advanced Wound Care for diabetic foot ulcers and Neuropathy Treatment for nerve damage.

Co-payment

Copayment Rate: 20% on all claims for policyholders aged 61 years and above.

Cashless Healthcare Providers

Star Health Insurance's extensive network of over 14,000 hospitals across India.

Waiting Period

Initial Waiting Period: 30 days from the policy start date, except for accidental injuries.
Pre-Existing Diseases (Except Diabetes): Covered after 48 months of continuous policy coverage.
Diabetes & Related Complications: No waiting period—coverage starts from day one.
Specific Illnesses & Treatments: Certain conditions like hernia, cataract, and joint replacements have a 24-month waiting period.

Daycare Treatment

The Star Arogya Sanjeevani Plan covers daycare treatments

Exclusions

Pre-existing diseases (except diabetes) are covered only after the specified waiting period.
Treatment for obesity, weight management, or bariatric surgery is not covered.
Cosmetic or plastic surgery, unless medically necessary due to accidents, is excluded.
Self-inflicted injuries, substance abuse, and alcohol-related treatments are not covered.
Non-prescribed vitamins, supplements, and health tonics are excluded.

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About the company

About Star

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance.
A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.