Star Health
Diabetes Safe
A decent diabetic specific plan that will cover all diabetes related complications from day 1. The only thing you may want to look out for is what variant you're buying, since one variant makes you wait 1 year before covering diabetes related illnesses.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Day Care treatments covered up to a certain limit
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries. However, this is only available for complications not related to diabetes.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
Your insurer won’t pay the full bill for certain diseases
Any cardio vascular diseases if caused due to diabetes will have limits, Cataracts and Modern Treatments also have different limits for different covers chosen.
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre & Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge (but not exceeding 7% of the hospitalization expenses or ₹5,000 per hospitalization whichever is less). This includes the cost of medication by the way.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs from ₹1000/- to ₹7500/- based on the cover amount chosen.
What's lacking here?
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Frequently Asked Questions
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