Compare Star Health insurance quotes

Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are required 
According to the International Diabetes Federation, there were officially 72 million persons with Diabetes in India in 2017. This represented approximately 8.8% of the adult population.

Diabetes Safe health insurance - Eligibility

  • Any person between 18 years and 65 years of age who is already living with Diabetes Mellitus can take this insurance.

Star Health insurance review

Star Health Insurance
Star health insurance sum insured
1 lac − 100 lacs options available
Incurred Claims Ratio *
63.00%
Star health insurance tenure options
1, 2, 3 years options available
Claims Settlement Ratio **
81.62%
List of network hospitals
9,900+ hospitals
Number of policies issued *
3,734,365
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
11,617,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Star Diabetes Safe insurance review

  • Key Features
  • Benefits
  • General terms
  • Claims
  • How to buy
  • Exclusions

Key features of Diabetes Safe health insurance

  • Room Rent: Eligible for Single A/c Standard Room
  • Co-pay: NIL Co Pay
  • Restoration Benefit: NIL Restoration Benefit
Diabetes Safe health insurance - key highlights
  • Sum Insured – 4 options – 3 lacs, 4 lacs, 5 lacs, 10 lacs
  • Covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes
  • Policy can be taken on Individual and Floater basis.
  • Two plans are available – Plan A and Plan B
    • Plan A – Pre-acceptance medical examination is required for all persons opting for this plan and
    • Plan B - There is no pre-acceptance medical screening
  • Out Patient expenses covered – for Medical consultations, Diagnostic tests, medicine and drugs
  • Donor expenses for kidney transplant surgery as a result of Diabetes complications
  • Automatic Restoration of entire Sum insured
  • All day care procedures covered
  • Life Long Renewal.
  • Policy Term – 1 year
  • Declined Risk of 4 C’s – Cancer, Cirrhotic Liver, Central Nervous system disorders (Parkinson’s Alzheimer’s, Strokerelated(CVA)) and COPD

Benefits of Diabetes Safe health Plan (All Amounts in ₹ INR)

Plan A Plan B
All diabetic complications covered from Day 1. Complications involving Cardio-vascular /Renal /Eye/Foot- Ulcer covered from 13th month only.
Medical Screening mandatory No Medical Screening required.
No waiting period for hospitalisation not related to Cardio VascularSystem, Renal System, Diseases of Eye, Diabetic, Peripheral Vascular Diseases and Food Ulcer 30 days Waiting period for hospitalisation not related to Cardio VascularSystem, Renal System, Diseases of Eye, Diabetic Peripheral Vascular Diseases and Food Ulcer
No sub-limit restrictions Sub-limits for cardio-vascular complications
No waiting period for hospitalisation related to Cardio VascularSystem, Renal System, Diseases of Eye, DiabeticPeripheral Vascular Diseases and Food Ulcer 12 month waiting period for hospitalisation related to Cardio VascularSystem, Renal System, Diseases of Eye, Diabetic Peripheral Vascular Diseases and Food Ulcer
Pre Existing Diseases (PED) coverage after 48 months Pre Existing Diseases (PED) coverage after 48 months

General terms of Star health insurance plans

Tax Benefits
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Free Look Period
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.
Guaranteed Lifetime Renewals
  • Life-long renewals beyond 65 years are offered under this policy.
Tax Benefits
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Free Look Period
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.
Guaranteed Lifetime Renewals
  • Life-long renewals beyond 65 years are offered under this policy.

Claims Settlement Process for Star Health Insurance

Cashless Claim Procedure during hospitalization
Cashless Claim: a six step process
  • Step 1 - Approach the insurance desk at a network hospital. Intimation can be given either through contacting us at 1800 425 2255 / 1800 102 4477 or e-mail us at support@starhealth.in
  • Step 2 - Show your Star Health ID card for identification purpose at the hospital reception.
  • Step 3 - Submit to the hospital Pre admission investigations and Doctor’s consultation papers.
  • Step 4 - Network hospitals will verify your identity and submit duly filled pre - authorization form with Star Health.
  • Step 5 - Our doctors verifies all the submitted documents before processing the claim as per terms and conditions. An assigned field doctor may visit the patient at the hospital if required.
  • Step 6 - After discharge, the hospital will send the claim documents to the company and the authorized amount will be settled directly to the hospital.
(Note: Non-Payable items would be at the insured's own cost)
a) In case of planned hospitalization:
  • Please contact the toll-free help line: 1800 425 2255 / 1800 102 4477
  • The hospital will send the duly filled pre-authorization from through hospital portal (or) at the below number (or) Email ID
    • Call : Toll-free FAX: 1800 425 5522 (or)
    • Call : Non Toll-free FAX: 044 -28302200
    • Email : cashless.network@starhealth.in
  • Please carry your ID card.
b) Procedures to be followed in case of emergency hospitalization: In case of Emergency like accident or sudden bout of illness may that requires immediate admission to the hospital
  • Upon receiving intimation from the insured/insured’s attender, they are contacted by the network hospital
  • Customer Care will verify the validity and coverage of the policy
  • A field visit doctor is deputed to visit the patient at the hospital if required.
  • Our medical team will process the cashless request for the insured person subject to policy terms and conditions.
c) Cashless claim authorization process
  • Upon receiving intimation from the insured/insured’s attender, they are contacted by the network hospital.
  • Customer Care will verify the validity and coverage of the policy
  • A field visit doctor is deputed to visit the patient at the hospital if required
  • Our medical team will process the cashless request for the insured person subject to policy terms and conditions.
d) Documents required for cashless claim submission by Hospital
  • Health card
  • Doctor's consultation papers
  • Discharge summary
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • KYC documents of the insured if claimed amount exceed Rs.1, 00,000/-
(Note: Documents other than the Health Card should be submitted in original)
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses within 15 days from the date of discharge.

Reimbursement Claims Procedure following hospitalization

Procedure for Reimbursement of Claim
  • All claims need to be intimated within 24 hours of hospitalization. Reimbursement facility is available at network hospitals as well as at non-network hospitals
  • Avail treatment, settle all bills and file a claim for reimbursement.
  • Submit the claim documents to the company within 15 days from the date of discharge.
  • To receive the claim form, cite your policy number and intimate Star Health about hospitalization.
Reimbursement Claim Procedure
  • Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
  • Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the nearest Star Office
  • We settle the claim in subject to policy terms and conditions.
  • Non-Payable items would be at the insured's own cost.
Documents required for reimbursement claim submission
  • Copy of Health card
  • Duly filled claim form
  • Pre admission investigations and Doctor's consultation papers
  • Discharge summary from hospital in Original.
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • Case receipts from hospital, chemist
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • Copy of the KYC documents - NEFT details, Contact number and E-mail ID

How can one Buy a Star Health Insurance cover?

Today in the India market, it is not very difficult to purchase an appropriate Health insurance plan, on the contrary it is relatively simple if one follows the defined steps below:
  • Step 1- Visit a product comparison website like eindiainsuranceto review and compare policy benefits, coverage and premium details online
  • Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
  • Step 3 - Fill the online Star Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
  • Step 4 – Star Health will then process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy medical examination at Star Health’s network diagnostic centers.
  • Step 5 - Depending on Star Health team’s evaluation, if the proposal is accepted, then they will issue the policy subject to receipt of annual single premium as published on the website and remitted online through the payment gateway
  • Step 6 - Please note that the proposer will have to pay the necessary amount for undergoing the specified medical examination and such tests shall be valid for a maximum period of 30days only…however, if the policy is issued we will refund you 100% of the cost of the pre-policy medical examination
  • Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form

Exclusions under the Star Health Policy

Some of the major exclusions under the policy are listed below, kindly go through the entire list of exclusion in the policy kit which accompanies the insurance policy:
  • Congenital External Condition / Defects / Anomalies (except to the extent provided under Section specific to a New Born infant).
  • Intentional self injury.
  • Use of intoxicating substances, substance abuse, drugs / alcohol, smoking and tobacco chewing.
  • Venereal Disease and Sexually Transmitted Diseases,
  • Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not)
  • Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials
  • Expenses incurred on weight control services including surgical procedures such as Bariatric Surgery and /or medical treatment of obesity (except to the extent provided as per “Coverage” of the opted policy variant)
  • Expenses incurred on High Intensity Focused Ultra Sound, Uterine Fibroid Embolisation, Balloon Sinoplasty, Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Deep Brain Stimulation, Hyperbaric Oxygen Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy and such other therapies similar to those mentioned under this exclusion
  • Charges incurred on diagnostics that are not consistent with the treatment for which the insured is admitted in the hospital / nursing home. Admission primarily for diagnostic purpose with no positive existence of sickness / disease / ailment / injury and no further treatment is indicated
  • Unconventional, Untested, Unproven, Experimental therapies
  • Stem cell Therapy, Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy
  • All types of Cosmetic, Aesthetic treatment of any description, all treatment for Priapism and erectile dysfunctions, Change of Sex
  • Plastic surgery (other than as necessitated due to an accident or as a part of any illness)
  • Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons)
  • Dental treatment or surgery (in excess of what is specifically provided) unless necessitated due to accidental injuries and requiring hospitalization
  • Treatment arising from or traceable to pregnancy, childbirth, family planning, miscarriage, abortion and complications of any of these (other than ectopic pregnancy and to the extent covered under polic variant)
  • Medical and / or surgical treatment of Sleep apnea, treatment for genetic and endocrine disorders. Expenses incurred on Lasik Laser or other procedures Refractive Error Correction and its complications, all treatment for disorders of eye requiring intra-vitreal injections
  • Cochlear implants and procedure related hospitalization expenses
  • Cost of spectacles and contact lens (in excess of what is specifically provided), hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids.

Description of the benefits under the Star Health plans

Please note that all benefits listed below may not be part of all plans offered by Star Health in the market, please go through the benefit coverage on this EIndia website to be acquainted with the coverages under each plan in more detail.
  • Hospitalisation Expenses include
    • Room, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home
    • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees
    • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-ray, diagnostic imaging modalities, dialysis, chemotherapy, radiotherapy, cost of pacemaker, stent and such other similar expenses.Expenses on Hospitalization for a minimum period of 24 hours only are admissible. However this time limit will not apply for the day care treatments / procedures, where treatment is taken in the Hospital / Nursing Home and the Insured is discharged on the same day.
  • Emergency Ambulance Charges These charges are paid per hospitalization with an overall limitper policy period for transportation of the insured person by private ambulance service when this is needed for medical reasons to go to hospital.
  • Out Patient Consultation Expenses on Medical Consultations as an Out Patient incurred in Network hospitals up to the limits mentioned in the table given below with a limit of Rs.200/- per consultation. Payment under this benefit will not reduce the sum insured and is payable only when the policy is in force.
  • PreHospitalization Expenses Medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalization, for the disease/illness, injury sustained following an admissible claim for hospitalization under the policy.
  • Post Hospitalization Expenses Wherever recommended by the treating medical practitioner, Post Hospitalization medical expenses equivalent to 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges, Medicines and drugs expenses, subject to a maximum as per from 1 Lac to 7.5 Lacs 5,000 Rs, 10 Lacs and 15 Lacs 7,000 Rs, 20 Lacs and 25 Lacs 10,000 Rs.

Star health insurance FAQ's

At the time of issuance of medical policy, Star Health Insurance would conduct pre medical tests
  • for individuals above age of 50 years, when customer prefers Medi classic individual, Family Health Optima for Sum Insurance 3 Lakhs, and Diabetic safe plan A.
  • when customer prefers Family health optima above 4 Lakh SI, Comprehensive Health Insurance, Senior Citizens Red Carpet Health Insurance, Cardiac Care and Diabetic safe plan B.

Please see the table below for more information:
Sl No. Product AGE SI/Plan
1 Medi-classic-Individual Above 50 Years All SI
2 Family Health Optima Above 50 Years 3 L
3 Star Comprehensive Insurance Policy NO MEDICAL TEST
4 Senior Citizens Red Carpet Health Insurance NO MEDICAL TEST
5 Star Cardiac Care NO MEDICAL TEST
6 Diabetes Safe Insurance Policy Plan A ALL AGE PLAN A
7 Diabetes Safe Insurance Policy Plan B NO MEDICAL TEST

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

Yes. You can take any individual policy with us in which the existing condition of diabetes would be excluded. At the same time, you can cover yourself with a Diabetes Safe India health insurance policy which covers the complications arising due to Diabetic Retinopathy, Diabetic Nephropathy and Diabetic Foot Ulcer. However this policy requires a pre medical screening even if the proposer is less than 50 yrs. of age.

Brochure

Review Star health insurance - Diabetes Safe brochure to understand coverage details.


Know more »

Proposal form

Fill the online Star health insurance - Diabetes Safe proposal form.


Know more »

Policy wordings

Review Star health insurance - Diabetes Safe policy wordings which explains the terms and conditions.

Know more »

Get quotes for Star Diabetes Safe insurance!

Review and compare the best health insurance.
Compare health insurance quotes
Find the best Star Health insurance

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

Star Health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Network hospitals

Star Network hospitals list. Cashless treatment with us at 9,900+ hospitals


Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison


Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Portability

Portability Information for Mediclaim Insurance in India


Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions


Know more »

Search for Star Health insurance

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
-

ONLINE CHAT