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Star Health Diabetes Safe Plan Without Medical

Star Health’s Diabetes Safe is a health insurance plan which is designed specifically for patients suffering from Type I or Type II diabetes. The plan provides a comprehensive coverage not only for illnesses due to diabetes but also other coverage benefits.

Key features of the plan

  • Both types of Diabetes (Type I and Type II) are covered by the plan.
  • Besides diabetes related illnesses, the plan also covers hospitalization expenses, outpatient expenses and Personal Accident injuries.
  • The policy can be taken either for self or for self and spouse under a family floater option. However, in a family floater option, either one of the life insureds should be a diabetic (suffering from Diabetes Mellitus).
  • No pre-entrance medical check-ups are required under the plan.

How does the plan work?

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

Step 2 – No medicals are required under the plan.

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.


Shubham buys Diabetes Safe Plan for a Sum Insured of Rs.5 lakhs. He is suffering from Type II diabetes.

Option 1 – he develops a complication and is hospitalized. A kidney transplant is required to be performed. If 2 years has elapsed after the plan has been bought, the transplant costs would be paid.

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.500 for individual and Rs.1500 for floater plan
    Sum Insured Rs.4 lakhs - up to Rs.2000 for individual and Rs.3000 for floater plan
    Sum Insured Rs.5 lakhs - up to Rs.3000 for individual and Rs.5000 for floater plan
    Sum Insured Rs.10 lakhs - up to Rs.5000 for individual and Rs.7000 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.

Diabetes related ailments are not covered in the first 15 months of the plan.

Pre-existing ailments are not covered in the first 4 years of the plan.

Transplant, specific ailments and major surgeries are not covered in the first two 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.