How does the waiting period affect my coverage?

A 30-day waiting period applies, except for accidents. Diabetes-related treatments have no waiting period, while pre-existing conditions require 48 months.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured annually, providing additional coverage at no extra cost for future medical needs.

Does the Star Diabetes Safe Plan B cover treatment abroad?

Standard coverage is within India. Some add-ons may offer emergency treatment abroad. Check with the insurer for global coverage options.

What is the claim process for the Star Health Diabetes Safe Health Insurance Plan?

The claim process for Star Health Diabetes Safe Health Insurance Plan is:Cashless: Intimate Star Health 48 hrs before planned or within 24 hrs of emergency hospitalisation at a network hospital, submit pre-authorization form and policy card to the hospital desk, and Star settles the bill directly Reimbursement: Inform within 24 hrs of hospitalisation, pay upfront at non-network hospitals, submit claim form and original hospital/pharmacy/test documents within 15–30 days post-discharge, and receive reimbursement typically within 30 days of complete documentation .

OneAssure

Health Insurance

Star

Diabetes Safe Plan B

Star Health Diabetes Safe Health Insurance Plan

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

6.7

Customer Rating

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

6.7

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

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

About Star Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

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.

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.

Cashless Healthcare Providers

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

Daycare Treatment

The Star Arogya Sanjeevani Plan covers daycare treatments

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.

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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.
Experimental, unproven, or investigational treatments are not covered.
Dental, hearing aids, and vision treatments unless required due to an accident are excluded.
Injuries or illnesses arising from war, nuclear exposure, or terrorism are not covered.

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About the company

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...

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;...