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.

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 This email address is being protected from spambots. You need JavaScript enabled to view it. 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.
Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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