What is a Diabetes Insurance Plan?
An unhealthy lifestyle, lack of exercise, poor diet, and stress are the major contributors to the rising cases of diabetes in India. If untreated, this condition can lead to complications like heart disease, nerve damage, vision loss, kidney damage and more. Now, being long-term in nature, the treatment of diabetes can be expensive.
In some cases, it can go up to ₹3 lakhs per year, based on the severity, complications and treatments required. Having a diabetes insurance plan can not only help cover such costs but also get cashless hospitalization without any upfront expenses.
About Star Health Diabetes Safe Insurance Policy
For diabetics, Star Health provides the Diabetes Safe Insurance Policy, which offers the following features:
●It is specially designed for individuals with Type 1 and Type 2 diabetes, providing coverage for diabetes-related complications as well as other illnesses.
●This policy can be taken as an Individual plan or a Floater plan, with the Floater option available exclusively for two family members.
●Anyone between the ages of 18 and 65 years can avail of this policy while ensuring comprehensive health coverage.
●You can also get coverage for outpatient expenses at network hospitals and diagnostic centres, subject to the policy's specified limits.
●Star Health also provides flexible plan options, including Plan A, which requires a medical check-up before approval, and Plan B, which does not require a pre-acceptance medical examination.
●If the insured amount is fully used, Star Health automatically restores 100% of the sum insured once during the same policy year while ensuring uninterrupted coverage.
●Premium payment options include - every six months, yearly, every two years, or every three years.
What Does Diabetes Insurance Cover?
Find a comprehensive overview of the coverage provided by the Star Diabetes Safe Insurance Policy below:
●Outpatient (OPD) Coverage
Star Health generally covers outpatient expenses at network hospitals, including medical consultations, medicines, diagnostic tests, and drugs, up to the policy’s specified limits.
●Hospitalization Coverage
You can get comprehensive coverage for hospitalization expenses due to both diabetes-related and non-diabetic illnesses while ensuring financial support during medical emergencies.
●Coverage for Modern Treatments
Star Health covers a wide range of advanced treatments, such as:
●Uterine Artery Embolization
●Robotic Surgeries
●Balloon Sinuplasty
●Oral Chemotherapy
●Deep Brain Stimulation
●Immunotherapy
●Radiosurgery
●Laser Prostate Treatment and more
●Personal Accident Cover
For added security, Star Health even provides worldwide personal accident coverage for one person at no extra cost, giving you peace of mind wherever you go.
●Tax Benefits
Enjoy tax savings under Section 80D of the Income Tax Act, 1961, when you pay your insurance premium through any mode other than cash.
Who Should Get Health Insurance for Diabetes?
The following individuals should consider buying health insurance for diabetes:
●People with a family history of diabetes are at higher risk of developing the condition.
●Overweight or obese individuals as excess weight increases the chances of diabetes.
●People above 45 years of age are at a major risk of diabetes.
●Individuals with a sedentary lifestyle and a lack of physical activity (less than three times a week) also raise the risk.
●People with non-alcoholic fatty liver disease (NAFLD) as this condition is linked to diabetes.
●Women with a history of gestational diabetes have a higher risk of developing diabetes later on in life.
●Women who have given birth to a baby over 4 kg have an increased likelihood of future diabetes.
●Women with PCOS (Polycystic Ovary Syndrome) as they are more prone to gestational diabetes.
Key Highlights of Star Health Insurance
●Cashless Treatment: Access over 14,000+ hospitals for cashless medical care without financial stress.
●No Pre-policy Check-ups: Get insured without medical tests, based on the plan option.
●Sum Insured Recharge: Enjoy automatic restoration of up to 100% of the sum insured once within the policy period.
●Lifetime Renewability: Renew your policy for lifelong coverage as per policy terms.
●30-day Free Look Period: Review policy details and return it within 30 days if unsatisfied.
●Financial Protection: Covers medical expenses for diabetes while easing the financial burden.
So, if you are looking for comprehensive coverage for diabetes, Star Health can be your go-to.
Call us now for personalized quotes!
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This FAQ page contains information for general purpose only and has no medical or legal advice. For any personalized advice, do refer company's policy documents or consult a licensed health insurance agent. T & C apply.