Star Diabetes Safe health insurance policy is specially designed to provide health cover to individuals suffering from Diabetes Mellitus. It is a comprehensive diabetes star mediclaim health policy that has no waiting period for diabetes and its related complications under the Plan A variant.
Coverage under this Star health insurance policy is provided on both Individual and family floater basis. Both Type 1 and Type 2 diabetes patients can be covered under this diabetes health plan.
The eligibility criterion for Star Diabetes Safe mediclaim health policy is minimum 18years and a maximum of 65 years for people who are suffering from Diabetes Mellitus.
To cancel your Star health diabetes safe insurance policy, you need to inform the insurer by giving a 15 days’ notice to get the refund. The rate of premium that is refunded is decided on the basis of the policy term and premium payment frequency. Listed below is for one-year policy term:
Period on risk |
Rate of Premium to be retained by the insurer |
1 month |
22.5% of the annual premium |
1 month to 3 months |
37.5% of the annual premium |
3 months to 6 months |
57.5% of the annual premium |
6 months to 9 months |
80 % of the annual premium |
Exceeding 9 months |
Full annual premium |
Ans:Yes, it is possible to buy an individual star health insurance plan. Your pre-existing diabetic condition will not be covered. However, you can get a medical cover with a Star Diabetes Safe health insurance plan which is designed to cover problems related to diabetes such as Diabetic Nephropathy, Diabetic Retinopathy, and Diabetic Foot Ulcer. But, it is required to undergo a medical screening before purchasing this policy even if you are below 50 years of age.
Ans:You need to consider the below pointers while buying health insurance or diabetes plan from Star Health:
Ans:Usually, there is a waiting period clause of 2 to 4 years for pre-existing illnesses like hypertension and diabetes. No claim is permissible for any pre-existing illness during the waiting period. This is the reason why it is suggested that you buy health insurance in an early stage so that there is sufficient time to claim for your pre-existing health ailments. However, a waiting period is not applicable to Star Diabetes Safe Plan. But there is a waiting period of 15 months for Plan A and Plan B.
Ans:Star Health Insurance Company will send you a renewal reminder and will be informing you about the expiry of your Star health insurance policy. However, the company is not obligatory to do so. Therefore it is your responsibility to renew it on time.
Ans:You can get in touch with the insurer on their helpline number - 1800 425 2255. You can also send them an email regarding your concern at This email address is being protected from spambots. You need JavaScript enabled to view it. immediately.
Ans:Below are a few reasons for you to consider buying a Star Health mediclaim policy:
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