Star Health & Allied Insurance

Star Diabetes Safe

Plain-English breakdown of the plan — every field a shopper actually needs before clicking buy. Compiled from public Star Health brochures and policy wordings. Always confirm against the official PDF below.

diabeticindividual

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Trust at a glance

Star Health — IRDAI FY 2024-25

Verified

Claim Settlement Ratio: 86.34%
Incurred Claim Ratio: 70.3%
Complaints / 10,000 claims: 52
Network hospitals: 14,000

Source: IRDAI Annual Report FY 2024-25 · UIN 129PolicyPlain earns no commission · numbers shown verbatim

Plan details

Every field, in one place

Sum insured options: ₹3L · ₹4L · ₹5L · ₹7.5L · ₹10L
Pre-existing disease (PED) waiting: Not applicable
Pre-existing covered: Day-1 cover for listed conditions
Co-payment: 10% from entry age 61+
Room rent: Single private AC room
Restoration of sum insured: Not available
No Claim Bonus (NCB): Variant-specific / not single value
Cashless network: 14,000 hospitals (insurer disclosure)
Free-look cancellation window: 15 days
Premium grace days: 30 days
IRDAI UIN: Not confirmed — verify on irdai.gov.in
Last verified: 2026-06 · third party aggregator

Honesty note: Star Diabetes Safe has Plan A (diabetes-only) and Plan B (broader hospitalisation) — field values reflect the typical Plan B variant.

Indicative premium

Order-of-magnitude only — NOT a quote

Age	Sum insured	Approx annual premium
45	₹5L	~₹22,000/yr
55	₹5L	~₹32,000/yr

Indicative figures vary by city, family member count, medical loading and policy term. Always confirm on the insurer's premium calculator.

Known exclusions

What this plan typically does NOT cover

Hospitalisation for any condition other than diabetes-related (Plan A vs Plan B differs)
Cosmetic surgery
Substance abuse, self-inflicted injury
Adventure sports
Treatment outside India

Known traps

The fine print that decides claim outcomes

Day-1 diabetes cover sounds great — but ONLY diabetes-related complications are covered under Plan A. Plan B is broader.
Initial 30-day waiting for non-diabetes illness on Plan B.
10% copay above age 61.
Insulin / drug costs covered only during hospitalisation, not OPD.
Pre-policy medical screening mandatory; insurer may load premium based on HbA1c.

How to claim

Cashless vs reimbursement — the steps

1Notify insurer. Within 24 hours of emergency admission or 48-72 hours for planned hospitalisation. Use Star Health's helpline or app — keep the reference number.
2Cashless: Pre-authorisation form filled by hospital, sent to Star Healthvia the hospital's TPA desk. Approval typically 4-6 hours during business; longer overnight. If your hospital is OUT of network (or PPN-only), you'll be on reimbursement.
3Reimbursement:Pay hospital out-of-pocket, then submit claim form + original bills + discharge summary + investigation reports + KYC. Insurer's IRDAI-mandated turnaround is 30 working days from receipt of complete documents.
4Watch for deductions. Room rent above your eligible category triggers proportionate deduction across the WHOLE bill, not just room rent. Sub-limits on cataract / modern treatment apply even when total SI is far higher.
5If denied: Ask for a written denial citing the exact clause. Internal grievance redressal first, then IRDAI Bima Bharosa or the Insurance Ombudsman.

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