🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: September 22, 2025
The Star Comprehensive Plan and the Star Diabetes Safe B Plan are both health insurance policies offered by Star Health, but they cater to different needs. The Star Comprehensive Plan is a broad health insurance policy covering a wide range of medical expenses, including hospitalization, pre- and post-hospital care, domiciliary treatment, maternity benefits, OPD, and certain wellness features, making it suitable for individuals or families seeking all-round protection. In contrast, the Star Diabetes Safe B Plan is tailored for individuals with diabetes (Type I or II) and covers hospitalization due to diabetes and related complications from day one, along with regular ailments, but its overall coverage scope is narrower compared to the Comprehensive Plan. In summary, choose the Star Comprehensive Plan for extensive overall health coverage, while the Diabetes Safe B Plan is ideal for diabetics needing focused, specialized coverage for diabetes-related health issues.
Author
Read Bio
Reviewed by
Read Bio
Appreciating the distinctions among health insurance programs is vital to the Indian family and individuals in 2025. Star Health Insurance has two main products, which include Star Comprehensive Plan and Star Diabetes Safe B Plan and they tend to shine. The two have customized benefits although they target different needs. As the cost of healthcare increases, it is best to understand what fits your needs to control the cost and provide quality care.
Which is the difference in Star Comprehensive Plan and Star Diabetes Safe B Plan? In what way do each of the plans add value to particular customers? Outlined in the comprehensive guide, features of the same, tables, advantages and disadvantages, major advantages, and user-friendly information will be detailed so that you can make an informed decision.
Star Comprehensive Plan is a wide scope health insurance plan designed to suit families and individuals. This plan is reputed to cover all in a very comprehensive manner. It includes hospitalisation, OPD services, pre and post hospitalisation, maternity, organ donor cost and even pre natal health check-ups.
Star Diabetes Safe B Plan is developed with consideration of individuals diagnosed with diabetes, either Type 1 or Type 2 diabetes. This is in contrast to other generic health covers that take a long time to respond to diabetic complications and associated hospitalisation charges.
Pros
Cons
Pros
Cons
Professional judgment:
There are more than 90 million Indians who have diabetes (IDF figures). Specialized insurance that covers chronic cases is another need that is increasing in urban and tier-2 urban centres.
The key distinction between the two options is the size of coverage and filters of entry.
| Liquidity | Star Comprehensive Plan | Star Diabetes Safe B Plan |
|---|---|---|
| Entry Age | 18-65 years (Children: 91days) | 18-65 years |
| Sum Insured (Max) | Up to Rs 1 crore | Up to Rs 10 lakh |
| Premium (30 yrs, Rs 10 lakh) | Rs 14,000-20,000 approx | Rs 7,500-9,000 approx |
| Disease Specific Cover | All conditions | Diabetes centered. |
| Pre-Policy Medicals | Not always mandatory | Ordinarily compulsory. |
| Diabetes-related cover | With waiting period | None. |
| No Claim Bonus | Yes (as high as 100 percent) | No. |
Note: The premiums vary according to the age, city, and other characteristics.
As an example, Mr Rakesh, a 42-year-old man, who has been diagnosed with Type 2 diabetes, enters the search query to find cover. Majority of the customary health insurance will either disqualify diabetes or impose a long waiting duration. Star Diabetes Safe B Plan takes him in, and he is paid since the first day of his employment.
In the meantime, the 36 years old, healthy, but with a family, Mrs Neeta wants to obtain maternity, child and parental protection. Star Comprehensive Plan will be more beneficial to her as she can have a coverage in any situation between pregnancy and accidental emergencies.
Did you know:
A review of some studies in 2024 indicates that the Indians with family history of diabetes are twice as likely as the general population to take disease-specific health insurance.
Q: Does the Diabetes Safe B Plan cover maternity?
A: No, diabetes plans do not cover maternity or newborn.
Q: Does Star Comprehensive plan members have access to admission on diabetic complication?
A: Yes, but only after waiting periods there would be diabetes and other pre-existing illnesses.
Both plans will have lifelong renewability, which means they will keep being covered even in old age and in the case of complications.
Portability allowed according to the regulations of the IRDAI, and waiting periods were also credited in case of switching between similar policies.
Expert opinion:
By the year 2025, a good number of the insurance purchasers will choose to switch the generic plan to a disease-specific plan once they have developed chronic conditions as long as they abide by the portability rules.
Q: Which do you think is superior concerning the elderly parent with diabetes and hypertension?
A: The diabetes plan will tolerate the risk at the initial stage of medical emergency caused by diabetes and other associated complications.
Q: Does the Comprehensive plan become convertible in the instances when the insured falls ill with diabetes in future?
A: Yes, it will proceed after the diagnosis, though waiting period of the claims related to diabetes will commence on the date of diagnosis.
Select Star Comprehensive Plan in case:
Select Star Diabetes Safe B Plan when:
Q1. Is it possible to purchase Star Comprehensive and Star Diabetes Safe B Plan simultaneously?
Yes, there are lots of people who wear covers to meet various requirements. The same claim, however, cannot be reimbursed out of the two.
Q2. Does it have a family floater version of Diabetes Safe B Plan?
No. Individual life must be covered as all persons have different degrees of diabetes.
Q3. How long is the waiting period of pre-existing conditions of such plans?
Extensive strategy: 2-3 years of the majority of diseases. Diabetes plan: Zero diabetic-related admissions, 1 year non-diabetic associated diseases.
Q4. Is Diabetes Safe B Plan healthy in terms of checkups?
Ok, there are yearly exams and professional counseling on management of diabetes.
Q5. Does either plans include outpatient expenses and medicines?
Comprehensive plan will provide an improved OPD cover. The diabetes plan provides diabetes outpatient visits but is limited in medicine cover.
Q6. What could be done to increase sum insured in the future?
In both plans, one can raise the sum insured at renewal, although there is an extra premium charge and the waiting period could be reset in case of new sum insured portions.
Q7. Are they appropriate plans to NRIs?
Treatment in India is covered mainly, check coverage is done prior to purchase.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
