Compare Star Health Diabetes Safe Plan With Medical


Star Health Diabetes Safe Plan With Medical

Star Health Diabetes Safe Plan (with medicals)

Star Health’s Diabetes Safe is designed for people suffering from Type I and Type II Diabetes Mellitus. The plan not only covers ailments caused due to diabetes, it also covers normal hospitalization, outpatient expenses and accidental death.

Key features of the plan

  • Coverage is available for both types of Diabetes (Type I and Type II).
  • The policy can be taken as a floater plan where the spouse is also covered. However, either one of the covered members should suffer from any type of Diabetes Mellitus.
  • Pre-entrance medical check-ups are required under the plan and the entire cost is borne by the company.
  • There is no waiting period for diabetes related illnesses under the plan.

How does the plan work?

Step 1 – the policyholder chooses the Sum Assured and the members covered.

Step 2 – the insured has to undergo medical check-ups before the plan is issued. The cost of the expenses is borne by the insurance company.

Step 3- If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.

Step 4 – if the plan matures and no medical contingencies occur, no benefit is paid.


Rahul buys Diabetes Safe Plan for himself and his wife for a Sum Insured of Rs.5 lakhs. He is suffering from Type I diabetes.

Option 1 – His wife faces a heart related complication and is hospitalized. The plan pays claims up to Rs.3 lakhs for the treatment of heart related ailment suffered by Rahul’s wife.

Option 2 – if the plan matures and there were no complications, no benefit would be paid by the plan.

Plan benefits

  • Medical benefits – the list of medical expenses covered by the plan and their extent is as follows:
    Room rent, boarding and nursing expenses Single Private AC room up to 1.5% of the Sum Insured to a maximum of Rs.8500/day
    In-patient hospitalization Covered
    Ambulance cover Up to Rs.2000 per policy period
    Pre hospitalization Up to 30 days
    Post hospitalization Up to 60 days
    Day care procedures 405 procedures are covered
    Outpatient expenses Cost of blood tests – up to Rs.750/instance up to Rs.1500 per policy period
    Other expenses as per Sum Insured:
    Sum Insured Rs.3 lakhs – up to Rs.1000 for individual and Rs.2000 for floater plan
    Sum Insured Rs.4 lakhs - up to Rs.2500 for individual and Rs.3500 for floater plan
    Sum Insured Rs.5 lakhs - up to Rs.3500 for individual and Rs.5500 for floater plan
    Sum Insured Rs.10 lakhs - up to Rs.5500 for individual and Rs.7500 for floater plan
    Accidental death Covered
    Organ donor expenses Covered for kidney transplant surgeries
    Dialysis expenses Rs.1000/sitting up to 24 months
    Cataract surgery expenses Sum Insured Rs.3-5 lakhs – up to Rs.20,000/eye per person and Rs.30,000 per policy period
    Sum Insured Rs.10 lakhs – Rs.30,000/eye per person and Rs.40,000 per policy period
    Artificial limbs due to amputation Up to 10% of Sum Insured
    Cardiovascular ailments Sum Insured Rs.3 lakhs – Rs.2 lakhs
    Sum Insured Rs.4 lakhs – Rs.2.5 lakhs
    Sum Insured Rs.5 lakhs – Rs.3 lakhs
    Sum Insured Rs.10 lakhs – Rs.4 lakhs

Eligibility Criteria

  Minimum Maximum
Age at entry (in completed years) 18 years 65 years
Premium paying options Single pay
Sum Assured Rs.3,4,5 and 10 lakhs

What is not covered by the plan?

Illnesses suffered during the first 30 days of the plan commencement are not covered.
Pre-existing ailments are not covered in the first 4 years of the plan.
Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.
Treatments like dental treatments, cosmetic treatments, artificial life support, weight loss treatments, etc. are not covered.

Premium Illustration

Below are the sample rates of premium payable by a non-smoking male living in Mumbai for different combinations of age and members covered. The policy is taken for 1 year and the Sum Inusred is Rs.5 lakhs.



Does personal accident cover accidental disabilities and dismemberments?

No, the plan only covers accidental deaths which occur within 12 months of suffering an accident.

What are Day Care Procedures?

Procedures or treatments which do not require 24-hour hospitalization due to technological advancements are called day care hospitalization

What other outpatient expenses are covered under the plan?

Besides blood tests, the plan also covers expenses incurred on medical consultation, diagnostics, medicines and drugs prescribed.

What is the grace period?

A period of 30 days is allowed as grace period under the plan. During this period, the policyholder can renew the plan while the coverage does not lapse.

Can the Sum Insured be increased?

Yes, the Sum Insured can be increased if there have been no claims in the policy so far. After the increase, a fresh waiting period would be applicable on the increased Sum Insured.

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