Star Health Diabetes Safe Health Insurance Plan
Star
6.7/10
OneAssure Rating
6.7/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Cashless Healthcare Providers
Access to over 14,000 cashless healthcare providers for seamless treatment.
Brochure
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
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.
Hospitalization for rest, rehabilitation, or diagnostic purposes without active treatment is excluded.
Infertility treatments, maternity expenses, and childbirth-related procedures are not covered.
Exclusions
Related Variants
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We help you maximize your coverage over time for stronger protection.
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 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.
About the Company
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