Plan Overview

Star Diabetes Safe (Plan A) is a unique plan designed to cover diabetics without any waiting period. Both Type 1 and 2 diabetes complications are covered by the plan besides expenses for other than diabetes related complications. There also exist a Diabetes Safe Plan B variant which has a waiting period of 15 months.

Benefits included

Hospitalization means any impatient treatment (min. 24 hrs stay) as well as the named 400 day care procedures.

  • Accident related hospitalisation are covered from day 1.
  • Other hospitalisations are covered after 30 days. Cover starts after 30 days, except accidents which are covered from day 1
  • Exceptions : Any pre-existing diseases (PED) which are covered after 4 years and some specified diseases which are covered after 2 years from the policy start date.

Other additional benefits :

  • 100% Cover restoration
  • No claim bonus
  • Free Health Check-up
  • Ambulance charges
  • Daily cash allowance
  • 30 days pre-hospitalisation
  • 30 days post hospitalisation
  • Organ donor expenses
  • Maternity
  • New-born treatment
  • Home treatment
  • Outpatient
  • Ayush treatments
  • Recovery allowance

Out of pocket expenses

  • You will bear all the expenses not covered by the policy. Refer to the list of such expenses in the Policy Exclusions section below
  • Besides, you will have to pay more if you stay in a room category above Single AC room

Policy Exculsion

  • Cosmetic surgery
  • Birth defects
  • Medical expenses due to drugs/alcohol abuse
  • Self-inflicted injury
  • Hazardous sports or war related injuries
  • HIV or AIDS
  • Sexually Transmitted Disease(STDs)
  • Consumables
  • Mental illness
  • Genetic disorders
  • Dental treatment / Surgery
  • Eye disorders & lasik laser treatment
  • Hospitalization for only diagnostic purpose
  • Diagnostic Charges
  • Hospital registration or admission fees
  • Administrative Charges
  • Non medical expenses

Claims settlement

  • If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer.
  • If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital. See the list of the network hospitals near you below

Most frequently asked questions

Q. Is cataract covered under the plan?

A. Yes, expenses incurred for cataract treatment are covered up to a specified limit depending on the Sum Assured.

Q. Is there any limit on the OPD expenses covered?

A. Yes, outpatient expenses covered under the plan have a maximum coverage limit. This limit depends on the amount of Sum Assured selected, the plan variant and the number of members covered.

Q. What is the extent of coverage for artificial limbs?

A. In case of amputation where artificial limbs are required, 10% of the Sum Assured would be the limit of coverage for such artificial limbs.

Q. Are Day Care Procedures covered?

A. Yes, 405 day care procedures are covered under the plan.

Q. What is the extent of dialysis expenses covered?

A. Rs.1000 per sitting of dialysis for a maximum of 24 months would be allowed as covered expenses for dialysis.

Star Health Insurance