Provides peace of mind for them and their families — making it a truly life-saving health companion.

Star Health Insurance – Diabetes Safe Insurance Policy

Introduction:
The Star Health Diabetes Safe Insurance Policy is a specially designed health insurance plan for individuals living with Type 1 or Type 2 Diabetes Mellitus. Unlike standard health plans that often exclude diabetes or charge high premiums, this policy provides dedicated protection for diabetic patients — covering hospitalization, complications, and related medical treatments. It helps manage long-term health costs while ensuring access to quality healthcare without financial strain.

Key Features of Diabetes Safe Policy

1. Tailor-Made for Diabetic Individuals:
   Specifically crafted for people already diagnosed with Type 1 or Type 2 Diabetes Mellitus.
2. Two Plan Options:
   • Plan A: Covers hospitalization expenses for both diabetic and non-diabetic complications.
   • Plan B: Covers diabetic complications after an initial waiting period.
3. Wide Sum Insured Options:
   Choose from ₹3 lakh to ₹10 lakh based on your medical requirements.
4. Comprehensive Hospitalization Cover:
   Covers expenses such as room rent, nursing charges, surgeon’s fees, anesthesia, and medical supplies during hospitalization.
5. Coverage for Diabetic Complications:
   Includes complications like diabetic retinopathy, diabetic nephropathy, diabetic neuropathy, and diabetic foot ulcers.
6. Pre & Post Hospitalization:
   Covers medical expenses up to 30 days before and 60 days after hospitalization.
7. Day Care Procedures:
   Coverage for medically necessary procedures that do not require 24-hour hospitalization.
8. Organ Donor Expenses:
   Covers expenses incurred for the organ donor’s treatment during transplantation.
9. Modern Treatment Coverage:
   Includes advanced medical procedures such as robotic surgeries and other modern techniques (as per policy terms).
10. Lifelong Renewability:
    The policy can be renewed for life with no upper age limit.
11. Tax Benefits:
    Premium paid is eligible for tax exemption under Section 80D of the Income Tax Act, 1961.

Other Important Information

• Eligibility: Individuals aged 18 to 65 years diagnosed with Type 1 or Type 2 Diabetes Mellitus.
• Policy Type: Individual policy only.
• Waiting Period:
  • Plan A: No waiting period for diabetic complications.
  • Plan B: 12 months waiting period for diabetic complications.
• Network Hospitals: Access to more than 14,000+ Star Health cashless hospitals across India.

Example Case Study

Example:
Mr. Ramesh, aged 50, living with Type 2 Diabetes for the past 5 years, purchased the Star Health Diabetes Safe Policy (Plan A) with a sum insured of ₹5 lakh.

A few months later, Mr. Ramesh developed a diabetic foot infection requiring hospitalization and surgery costing ₹2.8 lakh. Since his policy covered diabetic complications, Star Health settled the entire amount cashlessly at one of their network hospitals. Later, for his post-hospital follow-up and medication expenses, he also received reimbursements as per policy terms.

Thanks to this policy, Mr. Ramesh avoided a significant financial burden and could focus fully on his recovery.

Conclusion

The Star Health Diabetes Safe Insurance Policy is a thoughtful and essential plan for individuals managing diabetes. With coverage for hospitalization, diabetic complications, organ transplants, and advanced treatments, it ensures both medical and financial security.

This policy not only supports day-to-day health challenges faced by diabetic patients but also provides peace of mind for them and their families — making it a truly life-saving health companion.

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