Star Diabetes Safe Health Insurance

Diabetes Safe Insurance Policy offered by Star Health Insurance is a specialized plan for persons who are diabetic, both Type 1 and Type 2. Designed to cover diabetes and related ailments, the medical insurance policy bears the costs incurred during regular hospitalization due to any complications arising out of diabetes. This comprehensive health insurance plan offers a lot of other benefits, read on to know more about it.

Star Diabetes Safe Plan at a Glance

Coverage	Family and individual
Riders	Critical Illness rider, Reduction in PED Waiting period, etc
Variants	Plan and Plan
Key features	No waiting period for diabetes, No pre-medical screening for Plan A
Inclusion	Modern treatment, OPD expenses, Pre and post-hospitalization expenses
Exclusion	Any unproven treatment, weight-control treatment, etc

Key Features of Star Diabetes Safe Plan

Some of the key features of the Diabetes Safe Plan of Star Health are as follows:

• Coverage: The Star Diabetes Safe Plan can be bought as both a family floater and an individual plan. So, if you have dependent family members, then buy a floater plan, else it is suggested that you buy individual plans that are budget-friendly. The floater plan can be taken for up to 2 members.

• Variants: There are two variants available with the Star Diabetes Safe Plan, Plan A and Plan B. While most of the coverage offered under the two variants is almost similar, there are a few differences that you need to consider before buying this plan. Under the Plan A variant, the insured must undergo a pre-acceptance medical screening. The coverage comes into effect immediately after the policy is issued. Under Plan B, no pre-acceptance medical screening is required.

• No Waiting Period: There is no waiting period required for any diabetes or related complications as the plan is specific to diabetes under Plan A of the Star Diabetes Safe plan.

• Installment Options: The premium for the Star Diabetes Safe Plan can be paid on an instalment basis. Its premium can be paid on a half-yearly basis, annual, biennial, or triennial basis.

Eligibility Criteria of Star Diabetes Safe Plan

Listed below are the eligibility criteria for the Star Diabetes Safe Insurance Policy:

Parameters	Eligibility Criteria
Minimum entry age	18 years
Maximum entry age	65 years
Policy year	1, 2, or 3 year
Renewability	Lifelong renewal

Benefits of Buying Star Diabetes Safe Plan

Some of the reasons why you should buy the Star Diabetes Safe plan are as follows:

• Diabetes Cover: The Star Diabetes Safe Plan is a specifically designed plan that provides coverage for diabetes. It provides coverage for both type 1 and type 2 diabetes. Along with this, this plan also offers several other benefits.

• Sum Insured: The Star Diabetes Safe Plan has flexible sum insured options. With the Star Diabetes Safe Plan, you can choose a sum insured ranging between Rs. 3 lakhs - Rs. 10 lakhs. So, depending on your budget, choose the right sum insured with your Star Diabetes Safe Plan.

• Outpatient Expenses: The Star Diabetes Safe Plan also provides coverage for Outpatient treatment expenses incurred at any network hospital or any diagnostic centres. The coverage offered under outpatient expenses is specified under the policy documents.

• Personal Accident Cover: With the Star Diabetes Safe Plan, you will also get Personal Accident Cover at no additional premium. The Personal Accident Cover is eligible worldwide.

• Restoration Benefits: The Star Diabetes Safe Plan also offers Restoration benefits. Under the Restoration benefits, the Star Diabetes Safe Plan’s sum insured will automatically get restored once the health insurance claim is raised. The sum insured will be restored once during the policy term.

• Coverage: The Star Diabetes Safe Plan provides coverage for pre and post-hospitalization, daycare procedures, outpatient expenses, donor expenses, coverage for modern treatment, and a lot more. The coverage offered under all of this is as specified in the policy document.

• Star Wellness Benefit: The Star Diabetes Safe Plan also provides coverage under their wellness program. Under the Star Wellness Program, if you earn reward points, then you will save on health insurance premiums. The reward point is given to individuals who are fit and lead a healthy lifestyle.

Variants Available with Star Diabetes Safe Plan

The Star Diabetes Safe Insurance Policy is available in two variants, Plan A and Plan B. There are only a few differences between the two variants, scroll through the section to know more about Plan A and Plan B.

Features	Plan A	Plan B
Pre-medical Screening	Required	Not required
Waiting Period	No waiting period	12 months waiting period
Pre and post-hospitalization Expenses	Covered	Covered
Expenses due to non-diabetes treatment	Covered after the waiting period	Covered after the waiting period

To add more, all the coverage offered under Plan A and Plan B is the same for both.

Riders Available with Star Diabetes Safe Plan

Listed below are the riders you can include in the Star Diabetes Safe Policy:

• Critical Illness Cover: The Critical Illness Rider provides coverage if the policyholder is diagnosed with any critical illness apart from diabetes.

• Co-payment Waiver Cover: This add-on waives off the co-payment of the Star Diabetes Safe Plan if there is any co-payment clause attached to the plan.

• Reduction in PED Waiting Period: With this add-on, you can get the waiting period for pre-existing medical conditions reduced at additional premiums.

Inclusions and Exclusions of Star Diabetes Safe Plan

Inclusions:

• Hospitalization expenses due to diabetes: This includes coverage for hospital room rent, surgeon fees, diagnostic tests, and more.
• Hospitalization expenses due to non-diabetes: This also includes all kinds of hospitalization-related expenses
• Restoration of the sum insured by 100%
• Day care procedures: All daycare procedures are covered under the Star Diabetes Safe plan
• Outpatient expenses
• Personal accident cover expenses
• Coverage for modern treatment as specified in the policy document

Exclusions:

• Any expenses related to rest cure therapy and rehabilitation
• Expenses related to weight or obesity control
• Any kind of unproven treatment
• Change of gender treatment
• Any kind of expenses related to infertility treatment
• Any expenses due to an injury arising out of adventurous activities or breach of law
• Treatment related to drug abuse
• Expenses related to dietary supplements

Documents Required to Buy Star Diabetes Safe Plan

Listed below are some of the documents essential to buy the Star Diabetes Safe Plan:

• Aadhaar card
• A duly filled application form
• PAN card
• Copy of passport
• Copy of bank statement
• Income proof
• List of pre-existing medical conditions

How to Buy a Star Diabetes Safe Plan?

Here is how you can buy the Star Diabetes Safe plan in a few simple steps:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Star Health Insurance" from the list of health insurance companies.
• Then, select "Diabetes Safe Health Insurance Plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Star Diabetes Safe Plan

You can raise two types of claims with your Star Diabetes Safe Plan, cashless and reimbursement claims. No matter what claim process you choose, you need to inform your insurer first and foremost. In case of planned hospitalization, you need to inform Star Health at least 48 hours before hospitalization, and in unplanned hospitalization, you must inform the insurer within 24 hours of hospitalization.

Cashless Claim

• Star Health Insurance has tie-ups with over 14,000 network hospitals. So, locate a nearby cashless hospital
• Next, submit all the documents and your policy papers to the TPA
• All the documents will then be sent to Star Health for verification
• Once Star Health verifies all the documents, your cashless claim request will directly be settled

Reimbursement Claim

• Under reimbursement claim, you can get treatment at any non-network hospital
• To get started with the treatment, you need to pay for the medical expenses
• Next, raise a claim request on the Star Health website and submit all the relevant documents
• Star Health will then verify all the documents
• Once verified, Star Health will approve the claim request and reimburse the total medical expenses.