Star Health and Allied Insurance Company Limited
Diabetes Safe Insurance Policy
Niche product
UIN SHAHLIP23081V082223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 lakh
Claim settlement (CSR)
99.06%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
30 / 60 days
Network hospitals
14,000+
Free look
30 days
What this plan does well
- DIABETES IS NOT PED — covers diabetes complications from inception (Plan A Section 1)
- 12-month waiting for diabetic complications (Cardio/Renal/Eye/Foot Ulcer) in Plan B — vs industry 24mo
- Diabetic tests OPD (HbA1C/Fasting/PP) ₹1.5K/yr — quarterly diabetic monitoring
- Both Indemnity AND Personal Accident Benefit (Plan A & B)
- Kidney transplant donor expenses built-in
- Dialysis ₹1K/sitting up to 24 months from CKD onset
- Artificial Limbs 10% SI (amputation)
- OPD in base for diabetic + general medical (Plan A/B variants)
Watch out for
- Cover bands narrow (3L-10L) — capped at ₹10L
- POST-HOSP CAPPED at 7% hospital expenses MAX ₹5K — severe
- PRE-HOSP only 30 days (vs 60 industry standard)
- Cataract sub-limited (₹20-30K/eye)
- Modern Treatments sub-limited per SI tier
- Proportionate deduction on room cap breach
- Ambulance ₹2K only
- No CB / restoration
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.