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Diabetes Safe Insurance Policy

A Diabetes Health Insurance Policy that covers critical illnesses and death for Type 2 Diabetics for diabetics in India. Not many insurers look forward to cover a diabetic, but its way more crucial than you think.

Policy typeDiabetes-focused individual or family-floater health insuranceInsurerStar Health and Allied Insurance Company LimitedEntry age18 to 65 years for people living with diabetes mellitus
Official product page ↗Compare category

Quick eligibility check

Diabetes Safe Insurance Policy

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: 18 to 65 years for people living with diabetes mellitus?

Published source: Entry age

2Does your age meet this requirement: A person aged 18 to 65 years who is already living with diabetes mellitus can take the Diabetes Safe Insurance Policy?

3Document checkDo you have this required document or proof: Product brochure and Download Form linked on the official page?

4Document checkDo you have this required document or proof: Plan A requires a pre-acceptance medical examination; Plan B does not require pre-acceptance medical screening?

5Document checkDo you have this required document or proof: The reviewed product page does not enumerate additional purchase documents; the insurer’s proposal form and policy wording control final requirements?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Diabetes Safe Insurance Policy
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeDiabetes-focused individual or family-floater health insuranceView source
The official page covers Type I and Type II diabetes and permits individual or floater cover.
Source
Diabetes Safe Insurance Policy
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
InsurerStar Health and Allied Insurance Company LimitedView source
The official page names Star Health.
Source
Diabetes Safe Insurance Policy
Page / section
Overview
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Entry age18 to 65 years for people living with diabetes mellitusView source
The page publishes this age range and condition eligibility.
Source
Diabetes Safe Insurance Policy
Page / section
Eligibility
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Waiting periodPlan A covers diabetes and its complications without a waiting period after acceptance; Plan B applies a 12-month wait for diabetes complications. Both plans apply a 30-day initial wait for other illnesses (except accidents), 24 months for specified diseases and 36 months for pre-existing diseases.View source
The official product page publishes no diabetes waiting period for Plan A and 12 months for Plan B. The Star Health product information also states 30 days initial, 24 months specified-disease and 36 months pre-existing-disease waits.
Source
Diabetes Safe Insurance Policy — Bank of Baroda
Page / section
Features — Plan A and Plan B
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
CoverageHospitalisation; outpatient consultations, diagnostics and medicines; accidental death; kidney-donor expenses; artificial limbs; all day-care proceduresView source
The benefits section lists these covers.
Source
Diabetes Safe Insurance Policy
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Dialysis benefit₹1,000 per sitting for up to 24 monthsView source
The page publishes the dialysis per-sitting amount and duration.
Source
Diabetes Safe Insurance Policy
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Diabetes Safe eligibilityA person aged 18 to 65 years who is already living with diabetes mellitus can take the Diabetes Safe Insurance Policy.View source
The official Eligibility section states the age range and existing-diabetes condition.
Source
Diabetes Safe Insurance Policy
Page / section
Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Plan options and screeningPlan A requires a pre-acceptance medical examination; Plan B does not require pre-acceptance medical screening. Plan A has no waiting period for diabetes and its complications, while Plan B has a 12-month waiting period.View source
The official Features section compares Plan A and Plan B screening and waiting periods.
Source
Diabetes Safe Insurance Policy
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Diabetes policy benefitsBenefits include hospitalisation, individual or floater cover, outpatient consultations, diagnostic tests, medicines and drugs, accidental-death compensation, kidney-transplant donor expenses, dialysis, artificial-limb costs, automatic restoration of sum insured and all-day-care procedures.View source
The official Benefits section lists the covered expense and restoration features.
Source
Diabetes Safe Insurance Policy
Page / section
Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Dialysis benefit limitDialysis expenses are covered at ₹1,000 per sitting for up to 24 months.View source
The official Benefits section publishes the dialysis amount and duration.
Source
Diabetes Safe Insurance Policy
Page / section
Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Sum insured / coverThe Diabetes Safe policy offers ₹3 lakh, ₹4 lakh, ₹5 lakh and ₹10 lakh sum-insured options.View source
The prospectus lists ₹3,00,000, ₹4,00,000, ₹5,00,000 and ₹10,00,000 as available sums insured.
Source
Diabetes Safe Insurance Policy — Star Health prospectus
Page / section
What are the sum insured options available?
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Policy termThe policy is available for one-year, two-year or three-year terms; for terms longer than one year, the basic sum insured applies separately to each year without carry-over.View source
The prospectus states that the policy is available for 1, 2 or 3 years and that multi-year basic sum insured does not carry over between years.
Source
Diabetes Safe Insurance Policy — Star Health prospectus
Page / section
What is the Policy Term?
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsPublished exclusions include treatment during a waiting period, obesity or weight-control procedures, investigation and evaluation admissions, sterility or infertility treatment, self-inflicted injury, and spectacles, contact lenses or dental treatment; the policy wording controls the complete list.View source
Star Health's official product information lists these common claim-rejection exclusions and directs customers to the policy wording for full terms.
Source
Diabetes Safe Insurance Policy — Star Health
Page / section
Exclusions
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Premium illustrationThe official prospectus illustrates Plan A premiums (taxes excluded) for ₹5 lakh cover: age 44 ₹20,233, age 47 ₹22,983, age 58 ₹30,413 and age 64 ₹37,205 for an individual policy; floater examples are ₹32,177 for ages 44/47 and ₹51,820 for ages 58/64. Actual premium varies by age, plan, cover and loading.View source
The prospectus's Plan A illustration shows standard premiums for ₹5 lakh cover at the listed ages and notes that taxes and loadings are excluded.
Source
Diabetes Safe Insurance Policy — Star Health prospectus
Page / section
Benefit/Premium illustration — Plan A
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsHospitalisation; outpatient consultations, diagnostics and medicines; accidental death; kidney-donor expenses; artificial limbs; all day-care proceduresView source
The manually reviewed product record states: “Hospitalisation; outpatient consultations, diagnostics and medicines; accidental death; kidney-donor expenses; artificial limbs; all day-care procedures”.
Source
Diabetes Safe Insurance Policy — official product page
Page / section
Published product metadata
Accessed
20 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Hospitalisation
  • outpatient consultations, diagnostics and medicines
  • accidental death
  • kidney-donor expenses
  • artificial limbs
  • all day-care procedures

Eligibility

  • A person aged 18 to 65 years who is already living with diabetes mellitus can take the Diabetes Safe Insurance Policy.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Product brochure and Download Form linked on the official page.
  • Plan A requires a pre-acceptance medical examination; Plan B does not require pre-acceptance medical screening.
  • The reviewed product page does not enumerate additional purchase documents; the insurer’s proposal form and policy wording control final requirements.

Related official documents

Diabetes Safe Insurance Policy — Star Health prospectusofficial-prospectus · current · accessed 28 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligibility · Published detailPerson aged 18–65 years already living with diabetes mellitus

This value is copied from Diabetes Safe — plans, cover and waiting periods. Check the table notes before relying on it.

Source: Diabetes Safe Insurance Policy · Benefits; Features; Eligibility Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsDiabetes Safe — plans, cover and waiting periodsPublished plan design, age, sum insured and diabetes waiting-period rows.View tableHide table

Scroll sideways to view every column

Diabetes Safe — plans, cover and waiting periods
TermPublished detail
EligibilityPerson aged 18–65 years already living with diabetes mellitus
PlansPlan A: pre-acceptance medical examination; Plan B: no pre-acceptance screening
Diabetes waiting periodPlan A: no wait for diabetes/complications; Plan B: 12 months
Other waiting periods30 days for other illness except accidents; specified diseases 24 months; pre-existing disease 36 months
Sum insured₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh
BenefitsHospitalisation, individual/floater cover, outpatient consultation/diagnostics/medicines, accidental death, donor expenses, artificial limbs and day-care
Dialysis₹1,000 per sitting for up to 24 months; automatic restoration of sum insured is published
  • Premium varies by plan, age, cover and loading; the page’s linked prospectus controls the full premium and exclusion schedule.
Diabetes Safe Insurance Policy · Benefits; Features; Eligibility · accessed 30 Aug 2026Open official source ↗

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