Star Diabetes Plans
Cashless Approval TAT | 90% Cashless claim settlement within 2 hrs |
Claim Settlement Ratio | 89.90% |
Network Hospitals | 14,000+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs SI | Rs. 410/month |
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Health Insurance for Diabetes Patients by Star Health Insurance
Star Health has brought a sweet gift for all diabetic patients with Diabetes Safe Insurance Policy. Under the plan, the company not only covers ailments arising from diabetes, but also covers normal hospitalisation, accidental death, and outpatient expenses. Star Health provides the policyholders with coverage for both types of diabetes (Type I and Type II). The plan can be brought in the floater option where the spouse can also be covered, with either of the covered members suffering from any type of diabetes mellitus.
Key Features
- The policy is available for a tenure of 1 year
- Faster and hassle-free claim settlement
- The cost of pre-entrance medical check-ups is borne by Star Health
- No waiting period for illnesses related to diabetes under this policy
- Cashless treatment of diabetes in all network hospitals across the country
- The benefit of lifelong renewal of the policy
- The policy can be taken on an individual and floater basis
- There is no third party administrator
Scope of Coverage
- Coverage for pre and post-hospitalisation
- Coverage for all day care procedures is provided
- Dialysis expenses at Rs. 1,000 per sitting up to 24 months
- Outpatient expenses incurred at network hospital/daycare centers/clinics/diagnostic centers
- The plan provides accidental death cover for the insured person chosen
- Inpatient hospitalisation cover for room rent, nursing charges, doctor’s fee, medicine bills due to the complication of diabetes
- Hospitalisation expenses for other than complications of diabetes
Eligibility
Anyone who is aged between 18 years and 65 years and is diagnosed with Type I or Type II diabetes mellitus can avail the benefits provided under this policy.
Exclusions
- Injuries or ailments due to drugs/alcohol, smoking, substance abuse, or tobacco chewing are excluded
- Convalescence, run-down condition, general debility, nutritional deficiency state
- Psychiatric, mental and behavioural disorders
- Sexually transmitted diseases and venereal disease
- Any hospitalisations which are not suggested by the doctor
Star Health puts customer satisfaction as its utmost priority. For any kind of assistance or inquiry, you may get in touch with the customer care executives at InsuranceDekho on 1800-120-5698.
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Star Diabetes Cover FAQs
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I am suffering from diabetes for around 5 years. Can I get a health policy from Star Health Insurance?
Yes, you can opt for an individual health insurance plan in which the existing condition of diabetes is excluded. At the same time, you can buy a diabetes centric policy that can safeguard you from the complications arising due to the Diabetic Foot, Diabetic Retinopathy, Diabetic Nephropathy and so on. However, this plan may need a pre-medical screening even if the policyholder is below the age of 50.
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What are the eligibility criteria to buy diabetes policy of Star Health?
Anyone who is aged between 18 years and 65 years and is diagnosed with diabetes mellitus can buy this insurance policy.
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What are the sum insured options available under the diabetes plan?
This plan is available for the sum insured ranges Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh.
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Are outpatient expenses covered under diabetes plan of Star Health?
Yes, the policy covers outpatient expenses for medical consultations, diagnostic tests, medicines, and drugs.
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Are tax benefits available under the diabetes plan?
Yes, the plan provides tax benefits under section 80D of the Income Tax Act 1961.