What is The Best Insurance For Type 1 Diabetes

Type 1 diabetes (T1D) carries unique medical challenges that need to be addressed by continuous care, frequent visits to the doctor, and monitoring of blood sugar levels. Due to the long-term treatment requirements of this chronic disease, choosing the right health insurance plan is crucial. 

This helps ensure that you get adequate financial support for uninterrupted treatment. Now, among the many available options, the Diabetes Safe Insurance Policy by Star Health is ideal for people with type 1 diabetes. Keep reading to learn why. 

Eligibility for Star Health Diabetes Safe Plan

The eligibility criteria for the Star Diabetes Safe Insurance Policy are:

● Individuals aged between 18 and 65 years can opt for this plan. 
● The policy offers coverage for both type 1 and type 2 diabetes patients.

What’s more, applicants can avail of this policy on an individual or family floater (maximum of 2 members) basis.   

Key Features and Coverage of Star Diabetes Safe Insurance Policy

The following are the salient features of the Star Diabetes Safe Insurance Policy:

Comprehensive Hospitalization Coverage

The plan covers an extensive range of hospitalization expenses commonly associated with the management of diabetes, including:

● Room and board fees
● Nursing fees
● Fees for physicians
● Medication and prescribed medications
● ICU fees
● Hospitalization fees lasting over 24 hours

These expenses are paid up to the insured amount so that you receive actual care when required.

Pre-and Post-Hospitalization Charges

The plan covers pre-hospitalization expenses up to 30 days before hospitalization, including consultations, tests, and check-ups. It also includes post-hospitalization expenses up to 60 days after discharge, including medical check-ups, physiotherapy, and rehabilitation sessions, providing a comprehensive solution for diabetes management.

Daycare Treatment Cover

Advances in medical technology have made various procedures and surgeries that once required extended hospitalization possible to be performed within under 24 hours. The Star Diabetes Safe Insurance Policy offers unconditional coverage for daycare procedures, guaranteeing that all such treatments are fully covered without sub-limits.

Kidney Transplantation Coverage

The Star Health Diabetes Safe Plan offers financial relief for individuals with diabetes-related complications, such as kidney failure, who require organ transplants. This unique feature covers the expenses for organ donors, providing life-saving support.

Coverage of Modern Treatment

The policy provides coverage for a range of modern treatments like:

● Balloon Sinuplasty
● Robotic Surgeries
● Intra Vitreal injections, etc. 

Room Rent Limits 

The plan offers coverage for a single private AC room for diabetes-related hospitalization. This also includes nursing expenses and is subject to the policy-specified limits. 

Additional Features of the Plan

Following are some additional features of the Star Diabetes Safe Insurance Policy: 

● Diabetes Cover: The plan provides immediate cover for Type 1 and Type 2 diabetes without a waiting period under Plan A and a 12-month waiting period under Plan B.
● OPD Cover: The policy covers outpatient department expenses like diagnostic tests, consultations, and medicines for diabetic treatment, per limits based on the insured sum and selected variant.
● Personal Accident Cover: The plan also includes personal accident cover, which provides financial compensation to the insured’s family in case of their unfortunate death within the policy period. 

Exclusions:

There are certain exclusions under the Star Health Diabetes Safe Insurance Policy that individuals must know before purchasing. They are:

● Hospitalization expenses within the waiting period for the particular disorder 
● Obesity-related treatments
● Hospitalization costs for investigation and evaluation 
● Self-inflicted injuries
● Sterility and infertility treatments
● Costs related to dental treatments, contact lenses or spectacles

Still looking for the best insurance for type 1 diabetes?

The Star Diabetes Safe Insurance Policy provides cashless treatment benefits in 14,000+ network hospitals across India. Also, you get coverage for dialysis expenses, artificial limb costs, emergency ambulance transportation, AYUSH treatment, cataract treatment, and more. 

Call us now and handle the costs of diabetes management with zero stress.

Also Read:

→ Health Insurance Which Covers Diabetes

→ Why Are Some Patients With Diabetes Treated by Giving an Injection of Insulin