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Star Health Diabetes Safe (Plan A) logo

Star Health Diabetes Safe (Plan A)

Introduction to Star Health Diabetes Safe (Plan A)

Star Health Diabetes Safe (Plan A) is a health insurance policy offered by Star Health and Allied Insurance Company Limited. A health insurance plan serves as a safeguard against unexpected medical expenses, which can be a significant financial burden. It ensures that you receive the required medical care without having to worry about the costs associated with it. Star Health’s Diabetes Safe (Plan A) plan is specifically designed to cover expenses related to diabetes and its complications, thereby enabling you to focus on your well-being without worrying about the exorbitant expenses.

Verdict: Star Health Diabetes Safe (Plan A)

This plan is tailored to meet the needs of individuals with pre-existing diabetes and its associated complications right from day 1. However, it lacks comprehensive coverage. It doesn't provide notable benefits, such as domiciliary treatment coverage. And, there are restrictions on core benefits like modern treatments, and specific treatments like cataract, etc. Moreover, it doesn't offer the flexibility of monthly premium payments. Further, our research indicates that the insurer has received a higher number of claim settlement complaints as well as policy purchase complaints, suggesting a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Star Health Diabetes Safe (Plan A)

  • arrow Fairly priced in comparison to other products in the market
  • arrow Covers medical expenses related to diabetes and its complications from day 1
  • arrow Covers outpatient department costs, such as medications, consultations, etc.
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Does not cover domiciliary treatment expenses
  • arrow Sub-limits on some core benefits like modern treatments, etc.
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Star Health Diabetes Safe (Plan A)

01 Circumcision unless necessary for treating a disease or injury
02 Expenses for treatment related to external birth defects
03 Treatment related to general debility, convalescence, run-down condition and Nutritional deficiency states
04 Treatment related to intentional self inflicted Injury or attempted suicide by any means
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About Star Health and Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited logo

Star Health and Allied Insurance Company Limited is India’s first Standalone Health Insurance provider. The company offers products that cater to everybody, be it individuals, families, or corporations. It was founded in 2006 and is headquartered in Tamil Nadu, Chennai. Mr. V. Jagannathan is the company's chairman and CEO.

Founded in
2006
JV Partners
-
Turnover (GWP)
3268.54 Crores
Number of Policies
17,01,565
Number of Claims
4,70,803

Detailed Product Specs: Star Health Diabetes Safe (Plan A)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
95.22%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.72%
Claims Incurred Ratio
65.41%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
61.98%
No. of Cashless Hospitals
14,000+

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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