Which Insurance Company Covers Diabetes?
India has one of the highest diabetes rates globally, with 10.1 crore people affected, according to a 2023 study by ICMR-INDIAB. Now, managing diabetes can be costly since treatment often lasts for years. Also, regular doctor visits, medications, and lifestyle management add to the financial burden.
Therefore, getting health insurance for diabetes is a smart way to cover expenses without draining your savings. Are you wondering which health insurance provider offers coverage for diabetes?
The answer is Star Health.
What is Health Insurance for Diabetes?
Before learning about the coverage provided by Star Health to diabetic individuals, let’s first understand health insurance for diabetes.
Such plans are specifically designed for people who have diabetes or a family history of the medical condition. Generally, medical and hospital expenses for both Type 1 and Type 2 diabetes, along with any other complications, are covered under diabetes health insurance policies.
About Star Health Insurance Diabetes Safe Insurance Policy
Star Health offers comprehensive coverage for diabetic individuals via the Diabetes Safe Insurance Policy. Check out its details below:
- Diabetes cover is specifically designed for people with type 1 or type 2 diabetes, covering complications and other illnesses.
- Entry age is available for individuals between 18 and 65 years old.
- This policy can be taken as an Individual plan or a Floater plan (for two family members).
- Flexible plan options are also available, including:
- Plan A: Requires a medical check-up before acceptance.
- Plan B: No pre-acceptance medical check-up is required
- Outpatient expenses mainly cover outpatient department (OPD) costs at network hospitals or diagnostic centres up to policy limits.
- If the insured amount is used up, 100% of the basic sum insured is restored once in a policy year.
- One insured person gets worldwide personal accident coverage at no extra cost.
- Premiums can be paid every six months, yearly, once in 2 years (biennial), or once in 3 years (triennial).
Why Buy Health Insurance for Diabetic Patients?
India has the largest number of diabetic people, with about one-fourth of the world’s diabetic population. Since diabetes can cause heart, nerve, and kidney problems, treatment often involves ongoing care and costly hospitalization.
Star Health helps protect your savings from these expenses. Here are some other benefits of buying health insurance for diabetic patients:
- Hospitalization Coverage: Pays for hospital expenses related to both diabetic and non-diabetic health conditions.
- Advanced Medical Treatments: Covers modern treatments as per the policy limits.
- Personal Accident Coverage: Provides compensation in case of accidental death of the insured person.
- Tax Benefits: Get tax savings under Section 80D of the Income Tax Act, 1961, when paying premiums through non-cash methods.
- Wellness Program: Stay healthy and earn rewards, which can be used for renewal discounts.
- Diagnostic Centres: Easy access to 1,635 diagnostic centres across India with home sample pickup and doorstep health check-ups.
- E-Pharmacy: Order medicines online at discounted prices with home delivery or store pickup in 2,780 cities.
Additionally, here are some benefits of choosing Star Health as your health insurance provider: - 14,000+ network hospitals
- 97% cashless claims approved in 3 hours
- 850+ branch offices
- 1 crore+ claims settle
- Advanced medical procedures covered, including treatments such as Uterine Artery Embolization, HIFU, Balloon Sinuplasty, Deep Brain Stimulation, and Oral Chemotherapy.
- Specialized treatments mainly cover immunotherapy, intravenous injections, robotic surgeries, stereotactic radiosurgery, and bronchial thermoplasty.
- Modern surgical techniques, including Vaporization of the Prostate (Green/Holmium Laser), IONM (Intra-Operative Neuro Monitoring), and Stem Cell Therapy.
Managing diabetes requires ongoing medical care, which can be financially stressful. But you can now get comprehensive coverage for doctor visits, hospital stays, medications, and even modern treatments that are highly customized for diabetic patients with Star Health Insurance.
Check out our Diabetes Safe Insurance Policy today!
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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.