
Star Health Diabetes Safe Health Insurance Plan
82.31
Claim Settlement Ratio
14000
Network Hospitals
7.1
Customer Rating
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82.31
Claim Settlement Ratio
14000
Network Hospitals
7.1
Customer Rating
Our Verdict
Expert Review: Star Health Insurance
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Final Verdict
About
About Star Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Star Insurance Company Limited
Room Rent
Normal: Single Standard A/c Room
ICU: Charges covered up to sum insured.
Advanced Treatments
Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Co-payment
For policyholders aged 61 years and above at the time of entry, a mandatory co-payment of 20% applies to each and every claim.
For individuals below 61 years of age, there is no mandatory co-payment.
Waiting Period
Initial Waiting Periods: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Specified Diseases: Expenses related to the treatment of the Specified Diseases, Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.
Pre-Existing Diseases: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with the insurer.
Cashless Healthcare Providers
13533 Healthcare Providers.
Daycare Treatment
All Day care procedures Covered.
AYUSH Treatment
Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.
Room Rent
Normal: Single Standard A/c Room
ICU: Charges covered up to sum insured.
Advanced Treatments
Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Co-payment
For policyholders aged 61 years and above at the time of entry, a mandatory co-payment of 20% applies to each and every claim.
For individuals below 61 years of age, there is no mandatory co-payment.
Exclusions
Hospital admissions primarily for diagnostic purposes.
Treatment related to pregnancy, infertility, and childbirth.
Cosmetic or aesthetic procedures.
Substance abuse-related treatments.
Self-inflicted injuries or suicide attempts.
Expenses arising from participation in hazardous activities.
Treatments outside the scope of allopathic medicine.
Experimental or unproven treatments.
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