Insurance Inbox


Diabetes Safe Insurance Policy

Diabetes Safe from Star Health Insurance is one of the specialised comprehensive health plans exclusively designed to cover medical expenses incurred by a person due to diabetes. Star Diabetes Safe not only covers several complications related to diabetes but also provides regular medical cover for other ailments, personal accident and outpatient expenses.

Sum Insured

3,00,000 to 10,00,000

Premium starts from


Key Highlights

    Cashless Treatment at 7900+ Network Hospitals

    You don’t have to pay even a single paisa from your own pocket in more than 7900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

    Cover medical expenses incurred due to Diabetes

    Covers hospitalization expenses not just for complications of Diabetes (for both type 1 and type 2) but also covers regular hospitalization, personal accident and Outpatient expenses

    Cover the expenses incurred on dialysis

    Expenses incurred on dialysis (inclusive of AV fistula /graft creation charges) are payable up-to Rs.1,000/- per sitting is payable for up to 24 consecutive months commencing from the policy year in which Chronic Kidney disease occurs.

    Key Product Benefits to Check

      Expenses before and after Hospitalization

      You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge (max upto 7% or Rs.5000). This list may include follow-up visits, medication, diagnosis… etc.,

      Day Care Treatment

      Insurance company will pay for more than 405 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

      Out Patient Medical Expenses

      You can cover the expenses incurred as an outpatient towards medical consultation in network hospitals up to the limits mentioned in the terms.

      Reimbursement of Ambulance Expenses

      You can claim upto Rs. 2000 per policy period - spent on ambulance charges from one Hospital to another Hospital. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

      Personal Accident

      If an insured person sustain any bodily injury from an accident, at any time during period of Insurance and if such accident causes death, then the company shall pay an amount as compensation

      Organ Donor Cover

      You can cover hospitalization expenses of the organ donor in case of kidney transplantation where the insured person is recipient.

      Exclusions to note

        Pre exisiting diseases

        In the first 4 years of subscription, Star will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

        30 days waiting period

        You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

        Assets to be Covered


          Your Health

          You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.


          Family Health

          Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.

          Risks to be Covered


          Hospitalization expenses

          Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.

          70% Complete


          Pre & Post Hospitalization Expenses

          Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.

          70% Complete


          Expenses for treatment of Diabetes

          The expenses needed for the tratment/ surgery of any diabetes type I or II related disease. The coverage may vary according to the type of plan chosen.

          70% Complete


          Day Care Treatment expenses

          Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.

          70% Complete


          Organ donor expenses

          There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor

          70% Complete


          Outpatient & Pharmacy Expenses

          Outpatient department (OPD) expenses, such as diagnostics tests, chemist bills, doctor's visit fees, dental treatment, medical bills etc, form a major portion of total healthcare cost these expenses are called OPD expenses

          70% Complete


          Expenses for dialysis

          Dialysis is used during end-stage kidney failure to replace the functions of the kidneys -- including waste removal and regulation of blood levels of potassium and sodium. The expenses for this treatment are dialysis expenses

          70% Complete


          Accidental Death

          Accidental death benefit is the amount paid to the insured in case of death strictly due to accident. It typically excludes such things as acts of war, death caused by illegal activities, etc. Hazardous hobbies in which the insured regularly engages are generally specifically excluded as well.

          70% Complete


          Our Expert Says

            Hi Dr. Kamalakar Sai, I am looking for a Health Insurance cover. Can you please brief me about this product



            This plan covers both Type 1 and Type 2 diabetes with various additional features. The plan comes in two variants of Plan A and Plan B. In other policies companies will reject the policy through medical screening if you suffer Diabetes Mellitus or even if you are given the policy Diabetes is usually categorized as a pre-existing illness and is exempted . But in this policy ccoverage on diabetes starts immediately. Give it a thought if you are already siffering from Diabetes.

            Thank you so much for your help...



            It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.

            Our Experts Panel


              Dr. Nandagopal Pothula

              Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.


              Dr. Kamalakar Sai

              Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited


              Dr. Mamtaa Goel

              Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.


                Does health insurance cover diagnostic charges like X- ray, MRI or ultrasound?

                Health Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as long they are associated with the patients stay in the hospital for at least 24 hours. Any diagnostic tests which does not lead to treatment or which have been prescribed as Outpatient are generally not covered.

                I am a Foreign Citizen? Can I take a health policy for my father who is in India?

                Yes. The scope of coverage shall be restricted to treatment taken in hospitals in India during the policy period.

                What do you mean by Network /Non-network Hospitalization?

                A Hospital, which has an agreement with us for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom we do not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.

                Does any health policy cover the treatment for existing disease also?

                Normally health plans exclude treatment of any pre existing disease / condition. At Star the treatment of any such pre existing disease/ condition is covered after 48 months of continuous renewals with Star.

                Is there an Income Tax exemption under Health policy?

                Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependant Children.In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.25,000 under section 80D.In case the age of parent to be covered is above 65 years, the deduction available is Rs.30,000 under section 80D.


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