What is Diabetes Safe Insurance Policy?

Diabetes Safe is a health insurance policy for individuals with Type I or Type II Diabetes Mellitus. It covers eligible diabetes complications, other illnesses, accidental injuries and specified outpatient expenses, subject to policy terms.

Can the policy be renewed?

Yes. The policy offers lifelong renewability, subject to applicable renewal terms and conditions.

What type of coverage does the plan provide?

The policy covers eligible hospitalisation for diabetes complications, other illnesses and accidental injuries. It also includes outpatient benefits, daycare treatment, specified modern treatments and eligible inpatient AYUSH treatment.

What is the difference between Plan A and Plan B?

Plan A requires pre-acceptance medical screening and covers eligible diabetes complications from day one. Plan B does not require pre-acceptance medical screening and covers specified diabetes complications after a 12-month waiting period.

Does the policy cover outpatient expenses?

Yes. Eligible outpatient expenses at network hospitals and diagnostic centres are covered within the limits applicable to the selected plan, Sum Insured and individual or floater basis.

Does the policy cover dialysis?

Eligible dialysis expenses are covered up to ₹1,000 per sitting for up to 24 consecutive months, subject to the policy conditions.

What is the waiting period for pre-existing diseases?

A 36-month waiting period applies to pre-existing diseases under the applicable policy sections.

What is the waiting period for specified diseases and procedures?

A 24-month waiting period applies to specified diseases and procedures under applicable sections. Under Plan B, specified diabetes complications have a separate 12-month waiting period.

Is there an initial waiting period?

A 30-day initial waiting period applies to applicable illnesses, except covered accidents. The applicable waiting period depends on the selected plan and policy section.

How can I use cashless treatment?

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

What should I check before making a claim?

Review the selected plan, coverage limits, waiting periods, exclusions, treatment sublimits and required claim documents.

Are daycare procedures covered?

Yes. Eligible daycare procedures are covered, subject to policy terms.

Does the policy cover pre- and post-hospitalisation expenses?

Yes. Eligible pre-hospitalisation expenses are covered for up to 30 days before admission, and post-hospitalisation expenses for up to 60 days after discharge, subject to the stated limits.

Does the policy provide restoration of the Sum Insured?

The policy restores 100% of the basic Sum Insured once during the policy period for eligible Section 2 claims on individual policies. The benefit is not available on floater policies.

OneAssure

Health Insurance

Star

Diabetes Safe Plan A

Health Insurance Designed for People with Diabetes

Health Insurance Designed for People with Type I or Type II Diabetes

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

0.5/10

Plan Rating

Policy Policy Wording

Policy Diabetes Safe Insurance Policy Prospectus

Get a Quote

Our Verdict

Expert Review: Star Diabetes Safe Plan A

Final Verdict

Diabetes Safe is designed for people living with Type I or Type II Diabetes Mellitus. Compare Plan A and Plan B carefully, particularly their medical screening requirements, diabetes-related waiting periods, outpatient limits and treatment-specific sublimits.

About

What Is Diabetes Safe Plan A?

Diabetes Safe Insurance Policy is designed for individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus. It provides cover for eligible hospitalisation expenses arising from diabetes complications, other illnesses and accidental injuries. The policy offers Plan A, which requires pre-acceptance medical screening, and Plan B, which does not require pre-acceptance medical screening. Under Plan A, eligible diabetes complications are covered from day one. Under Plan B, specified diabetes complications are covered after a 12-month waiting period. The policy also provides eligible outpatient expenses, daycare treatment, specified modern treatments, inpatient AYUSH treatment, kidney donor expenses for eligible transplantation claims, dialysis support and artificial limb expenses following an admissible amputation claim. Benefits and limits vary by plan and Sum Insured.

Plan A Ratings

Plan A

Insurer Rating

7.07

out of 10

Insurance Rating

0.5

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Add on

Loyalty Bonus >= 500%

No

No Disease Sublimits

No

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

swipe

Inclusions and Exclusions

Star Diabetes Safe Plan A Inclusions and Exclusions

Co-payment

Not specified.

ICU Charges

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

Cumulative Bonus

Not specified.

Consumable Cover

Not specified.

Specific Waiting Period

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

PED Waiting Period

36 months for pre-existing diseases under applicable sections.

Annual Health Checkup

Not specified.

Post-Hospitalisation

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

Deductible Option

Not specified.

Coverage Options

Individual and Family Floater for self and spouse.

Maternity Cover

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

Pre-Hospitalisation

Up to 30 days before hospital admission.

Claim Settlement Ratio

Insurer-level metric, not a policy benefit.

Restoration Benefit

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.

Disease-wise sublimits

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

Room Rent

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

Modern Treatment

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

Initial Waiting Period

30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.

Cashless Healthcare Providers

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

Daycare Treatment

Eligible daycare procedures are covered, subject to policy terms.

AYUSH Treatment

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.

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.

Insurance Premium Calculator

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

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.