Star Health

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?

co_pay

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.

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room_rent

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.

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day_care

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.

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restoration

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.

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What's bad here?

disease_sublimit

Your insurer won’t pay the full bill for certain diseases

Any cardio vascular diseases if caused due to diabetes will have limits, Modern Treatments also have different limits for different cover

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ped

Long waiting period for pre-existing diseases

If you’re already dealing with hypertension, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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domiciallary

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.

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What's okay here?

pre_post

Pre & post hospitalization expenses covered

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. This includes the cost of medication by the way.

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opd

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 up to Rs 5500/-

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What's lacking here?

ncb

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.

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health_checkup

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.

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ayush

No Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatment to cure an illness. Tough Luck!!! Your insurer won’t cover this expense.

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talk to us

Need a human touch?

Talk to us and we will navigate the complex world of insurance together. It's free and we will never spam you. Pinky Promise!!!

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