
Star Health Diabetes Safe Health Insurance Plan
Star Health Insurance
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
Explore more features
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
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
The Star Arogya Sanjeevani Plan covers daycare treatments
AYUSH Treatment
Covered under this policy
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
Enhanced Room Rent Limit - Upgrade to higher room categories beyond the standard limit for more comfort during hospitalization.
Maternity & Newborn Cover - Covers maternity expenses, delivery costs, and newborn care for comprehensive family protection.
Critical Illness Cover - Provides a lump-sum payout for severe illnesses like cancer, kidney failure, and stroke, offering financial security during major health crises.
Worldwide Emergency Coverage - Ensures medical expense coverage for emergencies while traveling abroad, reducing out-of-pocket costs during international trips.
OPD & Consultation Benefits - Reimburses outpatient expenses, doctor consultations, diagnostic tests, and prescribed medicines, even without hospitalization.
Wellness & Preventive Care Benefits - Includes regular health checkups, fitness programs, and diet consultations to manage diabetes effectively and improve overall well-being.
AYUSH & Alternative Treatment Cover - Expands coverage for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy for holistic healthcare options.
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.