Star Health Insurance for Diabetes

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      Star Health Insurance for Diabetes

      Star Health Insurance policy for Diabetes has been designed for people who are suffering from Diabetes Mellitus. They can get medical insurance coverage under Star Diabetes Safe Insurance Policy. It is available on both an Individual and family floater basis. Both Type 1 and Type 2 diabetes patients can be insured under this diabetes medical insurance policy.

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      Highlights

      Star Health Network Hospitals

      9900+

      Renewability

      Lifelong

      Number of Claims Settled 

      4.9 million

      Claim Settlement Ratio

      90%

      Eligibility Criteria to buy Star Diabetes Safe Insurance Policy

      Star Health Insurance policy for Diabetes can be purchased by individuals between the age group of 18years and 65 years who already have Diabetes Mellitus.

      Features of Star Diabetes Safe Insurance Policy

      • Pre-medical Screening- This policy is available in two plan variants i.e. Plan A and Plan B.– Pre-medical examination is required under Plan A. On the other hand, pre-medical screening is not required under Plan B
      • Flexible Policy Options- The coverage is available on both individual and family floater basis
      • Sum Insured Amount- The coverage amount ranges from Rs 3 Lakh, Rs 4 Lakh, Rs 5 Lakh, to Rs 10 Lakh
      • Waiting Period Benefits- The best part is that there is no waiting period for diabetes and its related complications under Plan A. However, there is a waiting period of 12 months under Plan B
      • Guaranteed Lifetime Renewals- This Star health insurance policy offers lifetime renewal for insured members above the age of 65 years
      • Grace Period for renewal: The insurer provides a grace period of 30 days from the policy expiry date
      • Free Look Period: A free look period of 15 days from the policy purchase date is provided to review the policy benefits and decide if you want to continue or terminate the policy

      Inclusions of Star Diabetes Safe Insurance Policy

      • Diabetes Cover- The policy covers hospitalization expenses for Type 1 and Type 2 diabetes and complications related to Diabetes
      • Hospitalization Expenses- Hospitalization required due to diabetes-related complications are covered including nursing and boarding charges, medicines, anaesthetist, surgeon fees, etc.
      • Out-Patient Expenses: Diagnostic tests and medical consultation charges are compensated up to the specified limits
      • Personal Accident Cover: 100% compensation for accidental death is provided for the chosen insured person
      • Day-care procedures cover- All daycare procedures are compensated by the insurer
      • Automatic restoration- Automatic restoration of the entire sum insured is provided during the policy term

      Exclusions of Star Diabetes Safe Insurance Policy

      • Any claim arising within the waiting period will not be covered until it is an accidental case
      • Anyone who is on artificial life support, or is in the non-recoverable health condition
      • Any consequential treatment resulting from an aesthetic treatment, any surgery or plastic surgery
      • Any treatment for sexually transmitted diseases
      • Any treatment that is carried out due to mental disorders, physiological illnesses or as a symptom of depressants
      • Illness or damage resulting due to consumption of alcohol, intoxicating drugs or tobacco
      • Medical expenses on routine check-up are not compensated
      • Any gender change surgery is beyond the scope of coverage
      • Expenses incurred on OPD treatment are excluded
      • Cost of medical treatment undertaken overseas
      • Any loss or damage arising due to self-inflicted injuries and suicidal attempts cannot be claimed
      • Any illness or injury resulting due to breach of conduct or law by the policyholder, or with the intentions of war, destruction, crime, rebellion, mutiny, attacks, usage of weapons, detainment is not processed

      Aforementioned are the common limitations of a family health insurance plan, and it is advisable to check the policy document before making any purchase.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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