Star Diabetes Safe Health Insurance Policy

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.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

Star Diabetes Safe Health Insurance Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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.

    Eligibility Criteria

    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.

    Features and Benefits

    • The coverage amount ranges from Rs 3 Lakh, Rs 4 Lakh, Rs 5 Lakh, to Rs 10 Lakh
    • This policy is available in two plan variants i.e. Plan A and Plan B
    • A pre-medical examination is required under Plan A. On the other hand, pre-medical screening is not required under Plan B
    • The coverage is available on both individual and family floater basis
    • No waiting period under Plan A and only a 12months waiting period on the Plan B variant
    • Post 65 years of age, the Guaranteed Lifetime Renewals are offered to the insured under this Star health insurance policy
    • 30 days of a grace period is provided on renewal from the policy expiry date
    • Star Health Insurance company provides 15 days of free look period from the policy purchase date

    Inclusions of Star Diabetes Safe Insurance Policy

    • It is one of the best Star health insurance plans offering diabetes cover including Type 1 and Type 2 diabetes hospitalization expenses and also the related complications
    • Hospitalization Expenses that Star health insurance company pays under this policy include medicines, nursing and boarding charges, doctor fees, surgeon fees, anaesthetist, etc.
    • The policy pays for all the daycare medical procedures
    • Out-patient expenses including medical consultation and diagnostic charges are covered up to the specified limits
    • Personal Accident Cover is also provided under this star mediclaim health policy

    Exclusions of Star Diabetes Safe Insurance Policy

    • Pre-existing illnesses until completion of the waiting period
    • Any cosmetic or plastic surgery unless it is a part of the treatment
    • Unproven medical treatments
    • Symptoms arising out of alcohol and drug abuse
    • Routine medical check-up is not covered
    • Symptoms arising out of alcohol consumption and drug overdose
    • Star health insurance plans do not cover gender change surgery
    • Any loss or damage arising due to self-inflicted injuries and suicidal attempts cannot be claimed
    • Incidents related to breach of conduct or law, war, crime, usage of weapons, etc. are not covered


    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

    Star Diabetes Safe Insurance Policy FAQs

    • Q1. If I am a diabetic patient can I buy Star mediclaim policy?

      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.

    • Q2. What factors need to be considered while buying diabetes insurance from star health?

      Ans:You need to consider the below pointers while buying health insurance or diabetes plan from Star Health:

      • A clear understanding of all the hidden clauses such as waiting period, co-payment etc.
      • Whether any cap on room rent or not
      • Limitations on Pre-existing diseases]
      • List of exclusions
    • Q3. Is there any waiting period in Star Diabetes Safe Plan?

      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.

    • Q4. What should I do if I want to renew the star health insurance policy after a year?

      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.

    • Q5. What should I do if I misplace my Star health card?

      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 immediately.

    • Q6. Why should I buy a Star health mediclaim policy from Star Health Insurance Company?

      Ans:Below are a few reasons for you to consider buying a Star Health mediclaim policy:

      • Claim house claim settlement is done without the intervention of TPA
      • 87% cashless claim settlement ratio assures timely settlement of your claims
      • You can avail free medical consultations
      • Moreover, you can avail cashless healthcare facilities in more than 9900 hospitals across India.

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Download the Policybazaar app
    to manage all your insurance needs.