Star Health Diabetes Safe Health Insurance Plan
Star Health Insurance
7.1/10
OneAssure Rating
7.1/10
OneAssure Rating
Highlighted Features
Comprehensive ICU Coverage
ICU expenses are covered up to the sum insured, providing complete financial protection for critical care without additional costs.
Advanced Treatments
Includes robotic surgeries, oral chemotherapy, stem cell therapy, and other modern medical procedures to enhance critical illness treatment options. Covered treatments include Balloon Sinuplasty, Deep Brain Stimulation, Immunotherapy, Monoclonal Antibody Injections, Stereotactic Radio Surgeries, and more—ensuring access to cutting-edge medical care.
Policy Wording
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Our Verdict
The Star Health Diabetes Safe Insurance Policy offers tailored coverage for individuals with Type I or II diabetes, including hospitalization and treatments. Ideal for diabetics seeking financial security for diabetes management and related health issues.
About the Plan
The Star Health Diabetes Safe Insurance Policy is designed for individuals with Type I or II Diabetes Mellitus, aged 18-65. It offers two variants: Plan A, covering hospitalization expenses related to diabetes complications, including room rent (single A/C room), ICU charges, diagnostic procedures, and emergency ambulance costs up to ₹2,000. Plan B provides broader coverage, including both diabetes-related and general health issues. This policy ensures financial security for diabetes management while addressing hospitalization and treatment needs effectively.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
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.
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.
Obesity-related treatments and weight control programs.
Sexually transmitted diseases and related complications.
Exclusions
Pre-Insurance Medical Screening - Mandatory health check-up before policy issuance to assess eligibility and coverage.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
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