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Star Diabetes Safe Health Insurance

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Star Health Insurance
Diabetes Safe
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Diabetes Safe Health Insurance

Diabetes Safe Insurance Policy offered by Star Health Insurance is a specialized plan for persons who are diabetic, both Type 1 and Type 2. Designed to cover diabetes and related ailments, the medical insurance policy bears the costs incurred during regular hospitalization due to any complications arising out of diabetes. This comprehensive health insurance plan offers a lot of other benefits, read on to know more about it.

Star Diabetes Safe Plan at a Glance


Family and individual


Critical Illness rider, Reduction in PED Waiting period, etc


Plan and Plan

Key features

No waiting period for diabetes, No pre-medical screening for Plan A


Modern treatment, OPD expenses, Pre and post-hospitalization expenses


Any unproven treatment, weight-control treatment, etc

Key Features of Star Diabetes Safe Plan

Some of the key features of the Diabetes Safe Plan of Star Health are as follows:

  • Coverage: The Star Diabetes Safe Plan can be bought as both a family floater and an individual plan. So, if you have dependent family members, then buy a floater plan, else it is suggested that you buy individual plans that are budget-friendly. The floater plan can be taken for up to 2 members.
  • Variants: There are two variants available with the Star Diabetes Safe Plan, Plan A and Plan B. While most of the coverage offered under the two variants is almost similar, there are a few differences that you need to consider before buying this plan. Under the Plan A variant, the insured must undergo a pre-acceptance medical screening. The coverage comes into effect immediately after the policy is issued. Under Plan B, no pre-acceptance medical screening is required.
  • No Waiting Period: There is no waiting period required for any diabetes or related complications as the plan is specific to diabetes under Plan A of the Star Diabetes Safe plan.
  • Installment Options: The premium for the Star Diabetes Safe Plan can be paid on an instalment basis. Its premium can be paid on a half-yearly basis, annual, biennial, or triennial basis.

Eligibility Criteria of Star Diabetes Safe Plan

Listed below are the eligibility criteria for the Star Diabetes Safe Insurance Policy:


Eligibility Criteria

Minimum entry age

18 years

Maximum entry age

65 years

Policy year

1, 2, or 3 year


Lifelong renewal

Benefits of Buying Star Diabetes Safe Plan

Some of the reasons why you should buy the Star Diabetes Safe plan are as follows:

  • Diabetes Cover: The Star Diabetes Safe Plan is a specifically designed plan that provides coverage for diabetes. It provides coverage for both type 1 and type 2 diabetes. Along with this, this plan also offers several other benefits.
  • Sum Insured: The Star Diabetes Safe Plan has flexible sum insured options. With the Star Diabetes Safe Plan, you can choose a sum insured ranging between Rs. 3 lakhs - Rs. 10 lakhs. So, depending on your budget, choose the right sum insured with your Star Diabetes Safe Plan.
  • Outpatient Expenses: The Star Diabetes Safe Plan also provides coverage for Outpatient treatment expenses incurred at any network hospital or any diagnostic centres. The coverage offered under outpatient expenses is specified under the policy documents.
  • Personal Accident Cover: With the Star Diabetes Safe Plan, you will also get Personal Accident Cover at no additional premium. The Personal Accident Cover is eligible worldwide.
  • Restoration Benefits: The Star Diabetes Safe Plan also offers Restoration benefits. Under the Restoration benefits, the Star Diabetes Safe Plan’s sum insured will automatically get restored once the health insurance claim is raised. The sum insured will be restored once during the policy term.
  • Coverage: The Star Diabetes Safe Plan provides coverage for pre and post-hospitalization, daycare procedures, outpatient expenses, donor expenses, coverage for modern treatment, and a lot more. The coverage offered under all of this is as specified in the policy document.
  • Star Wellness Benefit: The Star Diabetes Safe Plan also provides coverage under their wellness program. Under the Star Wellness Program, if you earn reward points, then you will save on health insurance premiums. The reward point is given to individuals who are fit and lead a healthy lifestyle.

Variants Available with Star Diabetes Safe Plan

The Star Diabetes Safe Insurance Policy is available in two variants, Plan A and Plan B. There are only a few differences between the two variants, scroll through the section to know more about Plan A and Plan B.


Plan A

Plan B

Pre-medical Screening


Not required

Waiting Period

No waiting period

12 months waiting period

Pre and post-hospitalization Expenses



Expenses due to non-diabetes treatment

Covered after the waiting period

Covered after the waiting period

To add more, all the coverage offered under Plan A and Plan B is the same for both.

Riders Available with Star Diabetes Safe Plan

Listed below are the riders you can include in the Star Diabetes Safe Policy:

  • Critical Illness Cover: The Critical Illness Rider provides coverage if the policyholder is diagnosed with any critical illness apart from diabetes.
  • Co-payment Waiver Cover: This add-on waives off the co-payment of the Star Diabetes Safe Plan if there is any co-payment clause attached to the plan.
  • Reduction in PED Waiting Period: With this add-on, you can get the waiting period for pre-existing medical conditions reduced at additional premiums.

Inclusions and Exclusions of Star Diabetes Safe Plan


  • Hospitalization expenses due to diabetes: This includes coverage for hospital room rent, surgeon fees, diagnostic tests, and more.
  • Hospitalization expenses due to non-diabetes: This also includes all kinds of hospitalization-related expenses
  • Restoration of the sum insured by 100%
  • Day care procedures: All daycare procedures are covered under the Star Diabetes Safe plan
  • Outpatient expenses
  • Personal accident cover expenses
  • Coverage for modern treatment as specified in the policy document


  • Any expenses related to rest cure therapy and rehabilitation
  • Expenses related to weight or obesity control
  • Any kind of unproven treatment
  • Change of gender treatment
  • Any kind of expenses related to infertility treatment
  • Any expenses due to an injury arising out of adventurous activities or breach of law
  • Treatment related to drug abuse
  • Expenses related to dietary supplements

Documents Required to Buy Star Diabetes Safe Plan

Listed below are some of the documents essential to buy the Star Diabetes Safe Plan:

  • Aadhaar card
  • A duly filled application form
  • PAN card
  • Copy of passport
  • Copy of bank statement
  • Income proof
  • List of pre-existing medical conditions

How to Buy a Star Diabetes Safe Plan?

Here is how you can buy the Star Diabetes Safe plan in a few simple steps:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "Star Health Insurance" from the list of health insurance companies.
  • Then, select "Diabetes Safe Health Insurance Plan" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Claim Process of Star Diabetes Safe Plan

You can raise two types of claims with your Star Diabetes Safe Plan, cashless and reimbursement claims. No matter what claim process you choose, you need to inform your insurer first and foremost. In case of planned hospitalization, you need to inform Star Health at least 48 hours before hospitalization, and in unplanned hospitalization, you must inform the insurer within 24 hours of hospitalization.

Cashless Claim

  • Star Health Insurance has tie-ups with over 14,000 network hospitals. So, locate a nearby cashless hospital
  • Next, submit all the documents and your policy papers to the TPA
  • All the documents will then be sent to Star Health for verification
  • Once Star Health verifies all the documents, your cashless claim request will directly be settled

Reimbursement Claim

  • Under reimbursement claim, you can get treatment at any non-network hospital
  • To get started with the treatment, you need to pay for the medical expenses
  • Next, raise a claim request on the Star Health website and submit all the relevant documents
  • Star Health will then verify all the documents
  • Once verified, Star Health will approve the claim request and reimburse the total medical expenses.

Health Insurance Calculator

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Key Inclusions and Exclusions of the Plan

What's Included

  • Compensation for the accidental death of the chosen insured person
  • Cost of artificial limbs due to amputation up to specified limits
  • Coverage for outpatient expenses, such as medical consultation, diagnostic tests up to specified limits
  • Dialysis expenses at Rs. 1000 per sitting up to 24 months
  • Cover for hospitalisation expenses (room, nursing, anaesthetist, surgeons fees, drugs, and medicines) due to complications of diabetes
  • Hospitalisation expenses for other than complications of diabetes

What's Not Included

  • Aesthetic or cosmetic treatment and the treatment for erectile dysfunctions
  • Diseases caused by drugs/alcohol, substance abuse, smoking, or tobacco chewing
  • All expenses incurred in the treatment of HIV or AIDS and related ailments
  • Diabetic nephropathy and diabetic retinopathy, causing chronic renal failure and diabetic foot ulcer are not covered
  • Convalescence, general debility, run-down condition, nutritional deficiency state
  • Dental surgery or treatment unless necessitated owing to accidental injuries and hospitalisation requirement

2658 Star Cashless Network Hospitals in India

Diabetes Safe User Reviews

Write your review
What users are saying
  • All
  • A few days ago we bought the Star Health Insurance- Diabetes Safe from InsuranceDekho. Their customer support ...

    Read More
    By Subhajit Ghosh
    On: Jul 20, 2023
  • The website of InsuranceDekho provides reliable information. When I needed an insurance policy that could prov...

    Read More
    By Jay Arora
    On: Feb 01, 2021
  • The features that i got under this plan are good and i think the premium i paid under this is also fine. It is...

    Read More
    By Supriya Chugh
    On: Feb 18, 2020
  • Diabetes safe plan is offering me many benefits like hospitalisation expenses, automatic restoration of sum in...

    Read More
    By Ram Bhadoriya
    On: Feb 18, 2020
  • Diabetes Safe health insurance plan is high on coverage benefits. It comes in two variants with a little diffe...

    Read More
    By Aman Choudhary
    On: Feb 07, 2020

Star Diabetes Safe Expert Review

  • Expert Review

    Diabetic patients often face difficulty in finding an affordable health insurance plan that covers diabetes-related health care expenses. In such a scenario, the Diabetes Safe Health Insurance Policy brought to you by Star Health is a piece of sweet news for the patients! It is a specialised health care policy that covers various diabetes-related medical treatment at affordable premiums.

    This policy is a gift from Star Health to all those diagnosed with Type I or Type II Diabetes Mellitus. The plan comes in two variants-Plan A and Plan B with a slight difference in the coverage features. The sum insured options available under both the variants range from Rs. 3 Lakh to Rs. 10 Lakh. It is an annual policy and is available on an individual as well as family floater basis. There are other plans in the market for Diabetic patients too and Apollo Munich’s Energy Plan is one of them. It provides personalised management plan for Diabetes from Day 1 and is also available with more options of Sum Insured. But misses one of the important features of Star’s Diabetes Safe, that is Personal Accident Death cover. So, if you are aged between 18 years to 65 years, and are diagnosed with Type I or Type II Diabetes Mellitus, then you can opt for this widely acceptable plan by Star Health.

  • Major Attractions

    The plan does not only cover the complications of Diabetes Mellitus, but also includes a lot of expenses, some of which are listed below:

    • Hospitalisation expenses for complications of both types of Diabetes
    • Cover for all the daycare procedures
    • Outpatient expenses for medical consultations, medicines, drugs and diagnostic tests
    • Dialysis expenses for Rs. 1,000 for every sitting for up to 24 months
    • Donor expenses for kidney transplant surgery
    • Cost of artificial limbs because of amputation for up to specified limits
    • Automatic restoration of the sum insured
    • Cover for pre-hospitalisation expenses for up to 30 days before the date of hospitalistaion
    • Post-hospitalisation expenses for up to 60 days after discharge from the hospital up to the specified limit
    • Personal Accident Death cover for the chosen insured individual
  • What’s More?

    Yes, after all those coverage benefits, there are a few more benefits that come along if you buy this plan. Mentioned below are some of them-                            

    • Lifelong renewability is guaranteed
    • Tax benefits under Section 80D of the Income Tax Act
    • Cashless hospitalisation at the network hospital
  • Conclusion

    That’s all about the significant advantages that the policyholders enjoy under this plan. Considering the pros and cons of this plan by Star Health, you can surely give this plan a chance.

    In order to get the policy sooner and save time and paperwork, go for the online mode. You can buy this plan online from the leading health insurance broker in the market- InsuranceDekho. The customer care executives there will help you to understand the plan better. Also, you may even get in touch with them for hassle-free portability option at the time of renewal. What else do you need? 

Star Diabetes Safe Brochure

  • 133.99 KB
  • PDF Document
  • Apr 15, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Diabetes Safe Health Insurance Plan

  • How will I come to know whether my policy is going to expire soon?

    In that case, Star Health will inform you about the expiry of your health policy by sending a renewal notice. However, the insurer has no obligation for such notice. You are primarily responsible for policy renewal.

  • Can I buy Diabetes Safe Insurance Policy online?

    Yes, you can buy Diabetes Safe Insurance Policy online by visiting our website

  • What are the special features of the Diabetes Safe Insurance Policy?

    Automatic restoration of the basic sum insured by 100% immediately upon exhaustion of the basic sum insured once during the policy period. The insured individual can use this restored sum insured only for disease/illness/treatment unrelated to the illness /diseases/treatment for which claim/s was /were made. It is applicable to Section 2 only and not available with floater basis.

  • What are the eligibility criteria to buy Diabetes Safe Insurance Policy?

    Anyone between 18 years and 65 years with diabetes mellitus can buy this insurance policy.

  • What are the sum insured options available under this plan?

    This plan is available for the sum insured of Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh.

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