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Get the Best Health Insurance Plan Online in India

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Most Popular Policies of Star Health Insurance

  • Star Health Criticare Plus Policy
    Star Health Criticare Plus Policy is a critical illness policy that provides hospitalization benefits along with critical illness cover.
    Key features of Star Health Criticare Plus Policy
    • 5% discount for up to 2 members and 10% discount for more than 2 members
    • Coverage available for non-allopathic treatments is available up to 25% of the sum insured
    • No medical screening for candidates below 50 years of age
    • Coverage available for specific day care process and ambulance charge
    Buy now
  • Star Health Family Health Optima Insurance
    Star Health Family Health Optima Insurance plan offers protection to the entire family for a single premium.
    Key features of Star Health Family Health Optima Insurance
    • Coverage for new born baby is available
    • Coverage for organ donor expenses is available
    • Coverage available for expenses due to domiciliary treatment
    • Restore benefit and recharge benefit are available
    Buy now
  • Star Health Senior Citizen Red Carpet Insurance Policy
    Star Health Senior Citizen Red Carpet Insurance Policy is designed for individuals between 60 to 75 years of age to look after their medical needs.
    Key features of Star Health Senior Citizen Red Carpet Insurance Policy
    • Lifelong renewal option
    • in-house claim settlement facility is available
    • Coverage for nursing and ICU expenses is available
    • Customized e -health records available
    Buy now
  • Star Cardiac Care Insurance Policy
    Star Cardiac Care Insurance policy is designed for people with previous history of heart related ailments.
    Key features of Star Cardiac Care Insurance Policy
    • Lifelong renewal option
    • Scope to increase sum insured amount at policy renewal
    • Coverage for Cardiac Medical Management in Gold Plan
    • Coverage available for pre and post hospitalization expenses
    Buy now

Star Health Diabetes Safe Insurance

Perhaps, you would be in shock to learn that in India over 30 million people are diabetic. It is not just a matter of high blood sugar level, but with the course of time increase sugar level also affects the other parts of the body and the vital systems. Therefore, diabetes requires immediate medical assistance. However, because of the ever increasing cost of medical assistance, health care addressing the needs of diabetic patients remains mostly unattended.

Don’t worry – Star Health is up with a sugary launch of Diabetes Safe Insurance. This policy not only covers the complications related to Diabetes, but also regular hospitalization expenses.

Highlights of the policy

  • It offers comprehensive insurance coverage against diabetes complications.
  • Regular hospitalization is also covered.
  • The plan is available in both individual as well as Floater basis.
  • Floater plan covers a family of two only, i.e. Self and Spouse.
  • It comes with automatic restoration benefit.
  • It also covers over 400 daycare treatments and procedures.
  • The policy also pays for the expenses of prosthetic limbs in case of amputation. It is calculated at the rate of 10% of the total amount insured, provided claims related to such cases are permissible under the policy.
  • The amount of sum insured – Rs. 300000/-, 400000/-, 500000/- and 1000000/-.
  • It comes with portability option as well as free look period.

Eligibility

  • Any individual suffering from diabetes and between the age group of 18 to 65 years can buy this plan.
  • Once this policy is purchased before the age of 65 years, the policyholder gets the benefit of lifelong renewal.
  • Individuals who are already suffering from the complications related to Diabetic nephropathy or/and diabetic retinopathy resulting in Chronic foot ulcer or renal failure are not eligible for this policy.

Coverage

Hospitalization cover

  • Section 1 – It covers hospitalization on the account of complications related to Diabetes.
  • Section 2 – It covers hospitalization for other diseases. The coverage also includes accidents.

Room rent allowance (Nursing + Boarding Expenses)

  • Section 1 – It is for Standard AC room (Single).
  • Section 2 – It is calculated at the rate of 1.5% of the amount covered. The overall limit is Rs. 8500/day (maximum).

Special features (Section 1)

  • The policy covers donor expenses incurred against Kidney transplant surgery.
  • When the policy is in force, the expenses incurred for Dialysis are also covered. It is calculated at the rate of Rs. 1000/sitting. It is payable up to 2 Years.
  • Claims arising due to diabetes related complications are to be paid under this section only.
  • Direct or indirect claims associated with complications related to Cardio Vascular System, Eye ailments, foot ulcer, renal system and other aspects related to diabetes are to be paid under this section, unless specifically provided.

Common Benefits (Sec 1 and 2)

  • Cost of medicines
  • Fees of Surgeon + Anesthetist + Consultant
  • Cost of blood + oxygen + other related investigative expenses

Pre-hospitalization coverage

  • It is covered for up to 30 days before getting admitted to a healthcare facility.

Post-hospitalization coverage

  • It is covered up to 60 days after getting release from a hospital. Also, it is calculated at the rate of 7% of the expenses due to hospitalization or Rs. 5000/hospitalization (whichever is low).

Plans available

There are two types of plan available, in terms of Pre-medical screening – Plan A and Plan B. Refer to the chart given below for details.

Plan A – with pre- medical screening

Plan A – with pre- medical screening

Section 1

Section 2

Section 1

Section 2

Coverage

Covers hospitalization expenses for Diabetes related complications

Covers hospitalization expenses for all other health conditions

Covers hospitalization expenses for Diabetes related complications

Covers hospitalization expenses for all other health conditions

Waiting Period

No waiting period

30 days (except accidental cases).

30 days from the beginning of the policy

30 days (except accidental cases).

24 months for particular ailment/illness/treatment

15 months – Cardiovascular system, Renal system, eye disease and foot ulcer.

24 months for particular ailment/illness/treatment

48 months for all pre-existing health condition except Diabetes Mellitus

48 months for all pre-existing health condition except Diabetes Mellitus

Policy sub-limits

For cataract (Under Section 2)

Sum Insured

Rs. 300000/- to 500000/-

Rs. 1000000/-

Sublimit (Minimum)

Rs. 20000/eye

Rs. 300000/eye

Sublimit (Maximum)

Rs. 300000/policy

Rs. 400000/policy

For cardio-vascular disease:

There is no sublimit for Plan A. To know about Plan B, refer to the table given as under:

Sum Insured

Maximum amount paid by Insurance Provider

Rs. 300000/-

Rs. 200000/-

Rs. 400000/-

Rs. 250000/-

Rs. 500000/-

Rs. 300000/-

Rs. 1000000/-

Rs. 400000./-

Policy premium distribution:

In order to know about the premiums look at the images given below:

star health

star health

Policy exclusions

  • The charges of immunosuppressive medicines/drugs are not covered by this plan.

  • The treatment costs of Type II diabetes are also excluded.