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Star Diabetes Safe Health Insurance Plan

Diabetes Mellitus, sometimes known as diabetes, is a metabolic ailment that can lead to a variety of serious illnesses, including heart attacks and death. With the right medical care, you’ll be able to not only control your sugar levels but also live a healthy life with your family. Since the cost of medical facilities is mushrooming, you cannot overlook a health insurance plan, especially Star Diabetes Safe Plan.

Star Health Insurance offers a Diabetes Safe Insurance Policy, that is specifically designed to provide health cover to individuals suffering from diabetes disorder. The policy not only covers the complications of Type 1 and Type 2 diabetes but offers maximum protection against outpatient treatment, hospitalization, and other personal accidents.

Eligibility Criteria

Minimum Entry Age18 Years
Maximum Entry Age65 Years
RenewabilityLife Long
Policy Term1 year/2 year/3 year
Instalment FacilityQuarterly and Half-yearly

Star Diabetes Safe Plan Details

ParametersPlan APlan B
Coverage

1. Covers Hospitalization

Expenses due to

complications of Diabetes

without any waiting period.

2. Covers Hospitalization

Expenses arising out of

Accidents and Non

Diabetes. Subject to

30 days, 24 months

specified diseases and

48 months Pre-existing

Disease waiting period

  1. Covers Hospitalization

Expenses due to

complications of

Diabetes after a waiting

period of 12 months.

2. Covers Hospitalization

Expenses arising out of

Accidents and Non

Diabetes. Subject to

30 days, 24 months

specified diseases and

48 months Pre-existing

Disease waiting period

Sum Insured

Rs.3,00,000/-,

Rs.4,00,000/-,

Rs.5,00,000/-

and

Rs.10,00,000/-

Same as Plan A
Pre-acceptance Medical ScreeningPre-acceptance medical screening applicable.Not applicable
Out-Patient Medical ExpensesApplicableApplicable
Coverage for Modern TreatmentsApplicableApplicable
Personal Accident Cover for Accidental Death of the chosen insured personApplicableApplicable

Features & Benefits of Star Diabetes Safe Plan

Listed below are the potential features and benefits of choosing Star diabetes safe plan.

Pre & Post hospitalization expenses covered:

If your doctor has to undertake a multitude of diagnostic tests before or after admitting you to the hospital, don’t be concerned. Your insurance company is on your side. They’ll pay for this in full for a reasonable amount of time – 30 days before you’re admitted to the hospital and 60 days after you’re released. This, of course, includes the cost of medication.

Free Look Period:

The insured has a 15-day free look period from the date of receipt of the policy to study the policy’s terms and conditions. If the insured is unhappy with the terms and conditions, he or she may request cancellation of the policy, in which case the Company may issue a refund of the money paid.

Tax Benefits:

The amount paid by any means other than cash qualifies the insured person for a rebate under Section 80-D of the Income Tax Act 1961.

Extensive Network of Hospitals:

The company has a dedicated network of more than 12000 hospitals across India, meaning hospitals, daycare centers, clinics, and diagnostic centers that the Company has mutually agreed, would provide services to its customer whenever the need arises.

Affordable Premium:

One of the biggest benefits of choosing the star safe diabetes plan is that the premium amounts are quite affordable, meaning you won’t face a burden on your pocket. The best part is that you can pay a premium amount either quarterly or half-yearly. This would ultimately help you save for other pocket expenses.

What is Excluded in Star Diabetes Safe Plan?

The Company shall not be obliged under this insurance to make any payments in respect of any expenditures paid by the covered person in connection with or respect of;

  1. Expenses connected to the treatment of a pre-existing disease (PED) and its immediate complications are not covered until 48 months of continuous coverage have passed after the original policy was issued.
  1. Except for claims arising from an accident, which are covered, expenses linked to the treatment of any sickness within 30 days of the initial policy commencement date are excluded.
  1. If the Insured Person has had continuous coverage for more than twelve months, this exclusion does not apply.
  1. Expenses associated with any admission that is only for diagnostics and assessment are not included.
  1. Alcohol and drug abuse-related symptoms must be ruled out.
  1. Injury/disease induced or arising from or related to war, invasion, foreign hostile act, or warlike operations, whether directly or indirectly.
  1. Any claim stemming from the Insured Person’s accident as a result of intentional self-injury, suicide, or attempted suicide is ruled out.
  1. Medical procedures connected to obesity.
  1. The cost of eyeglasses, contact lenses, and any dental procedures.

How To Calculate Premium Of Star Diabetes Safe Plan?

If you are looking to calculate the premium amount of the Star Diabetes Safe Plan, you should follow these below-mentioned steps:

  1. Go to the official website of Star Health Insurance.
  1. After that, you need to hover over the “Plans” tab on the status bar. Then, under the health insurance section, simply click on “View All Plans”.
  1. You will be directed to the page wherein you will see different health insurance plans. Scroll down a bit. Then, you will see “Diabetes Safe Insurance Policy” under “Other Plans”.
  1. Click on “Buy Now” to calculate the premium. Simply enter your name, contact number, and email ID.
  1. After that, you will need to enter your date of birth, choose plan type, policy type, and policy term.
  1. Click on “Next”.
NameAgeGenderPolicy TypePlan TypePolicy TermHealth Insurance CoveragePremium Amount
Priyanka30 YearsFemaleIndividualPlan A1 YearRs. 3 Lakh coverRs. 8, 054 () (including Tax)
Anish40 YearsMaleFloaterPlan B2 YearsRs. 4 LakhRs. 48,617
Ritu50 YearsFemaleIndividualPlan A3 YearsRs. 5 LakhRs. 70,959
Raksha60 YearsFemaleFloaterPlan B3 YearsRs. 10 LakhRs. 279, 333

Frequently Asked Questions

Here’s the list of the frequently asked questions related to the Star diabetes safe plan:

This plan’s first waiting period is 30 days (except for accidents).

  • PEDs have a 48-month waiting period.
  • It is 24 months for specific disorders.
  • Diabetic Complications are covered under Plan A from Day 1 for Type I and Type II Diabetes.
  • Diabetic Complications for Type I and Type II Diabetes are covered after 12 months under Plan B.

Yes, the portability feature is available if you want to port this policy.

To connect the company related to your policy query, you can simply call their toll-free number i.e., 2831 9100 / 2853 2060 / 2853 2030. Alternatively, you can mail your queries to support@starhealth.in

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