🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: September 23, 2025
The Star Diabetes Safe B Plan and Star Women Care Plan are health insurance policies from Star Health, each catering to specific needs. The Diabetes Safe B Plan is tailored for individuals with Type 1 or Type 2 diabetes, offering coverage for diabetes-related hospitalization from day one, including complications and regular ailments, making it ideal for diabetics seeking comprehensive protection. In contrast, the Star Women Care Plan is exclusively for women (aged 18–75), covering a wide range of women-specific health conditions, maternity expenses, newborn care, and even certain cancers, along with optional wellness benefits. While both plans offer broad coverage and unique features, the choice depends on your primary health concern—opt for Diabetes Safe B if you have diabetes, or Women Care Plan for holistic women-centric coverage, including maternity and critical illnesses.
Author
Read Bio
Reviewed by
Read Bio
The process of identifying the appropriate health insurance in India is going to be hectic, given the availability of numerous good plans in 2025. The Star Diabetes Safe B Plan and the Star Women Care Plan are two of the most talked about policies by Star Health Insurance of this year. They are both distinct, specialise in specific healthcare needs and serve specific communities. The realization of their features, coverage, benefits, and appropriateness will enable you to choose the policy that will genuinely protect your health and money.
In this comprehensive guide, the comparison of all the significant points of Star Diabetes Safe B Plan and Star Women Care Plan will be made. Be it when you need to take diabetes insurance as an individual or when you are a woman seeking female specific cover, the below segments will respond to your questions.
Star Diabetes Safe B Plan is a special insurance designed in health care which is specifically designed to cover persons who have already been diagnosed with diabetes mellitus either Type 1 or Type 2. Conventionally, high premiums or no coverage were considered in most insurance plans on diabetes. However, this is a plan that was revised in 2025 and it puts into consideration the increasing number of diabetics in India and includes medical costs related to diabetes at the very beginning.
The patients who cannot afford medical insurance because of the preexisting diabetes are faced by a lifeline in this plan.
Do newly diagnosed diabetic patients purchase Star Diabetes Safe B Plan?
Yes, the plan will accept persons with a fresh or chronic diabetes diagnosis. No limit on the period of diabetes.
Star Women Care Plan is a custom-made health insurance among Indian women, and it aims at special health risk concerns affecting women at various life stages. The policy is appropriate among working women, homemakers, mothers and the elderly and include more than ordinary hospitalization.
This is a plan that targets women who seek additional cover to various conditions not necessarily covered in generic health covers.
Insurance advisors state that in 2025, there are more women in India who are opting to cover specialty since they have identified their conditions such as breast cancer, issues with the womb or even maternity complications that might not be covered under normal plan.
This health policy is concerned with accessibility amid patients with diabetes.
The largest benefit of the plan is that it does not have any restrictions on preexisting diabetes, which most generic health insurance policies have either locked out or greatly restricted.
In 2025, close to 10 percent of Indian adults will be living with some type of diabetes, therefore, exposed to greater health risk and thus special insurance such as this will be a source of essential financial safety.
This is a health insurance designed in accordance with various healthcare needs of a woman.
The plan helps in promoting the wellbeing of women at all ages and levels.
Does Star Women Care Plan cover IVF or infertility?
Yes, this plan has optional add-on of infertility and related treatments, which is not available in standard policies.
Pros
Cons
Pros
Cons
The following is a comparative table of these two specialized health insurance products side by side so as to be understood easily.
| Feature | Star Diabetes Safe B Plan | Star Women Care Plan. |
|---|---|---|
| Entry Age | 18 to 65 years | 18 to 75 years |
| Target Audience | Type 1 and 2 Diabetics | Type 1 and Type 2 Women (all ages) |
| Sum Insured Range | 3 lakhs to 25 lakhs | 5 lakhs to 1 crore |
| Preexisting Diseases Accepted | Only diabetes accepted | Most female conditions accepted. |
| Maternity/Infertility | Not covered | Covered (with add-ons) |
| Critical Illness | Only complications of diabetes in women | Multiple illnesses affecting women only. |
| OPD/Health Check-ups | Diabetes-only narrow range | Women wellness broad range. |
| Premiums (annual) | Moderate (RS 9,000-30,000)* | Moderate to high and varies with age. |
| Restoration Feature | Not available | Up to 100 percent sum insured. |
| Cashless Hospitals | 14,000 plus | 14,000 plus |
| Key Omission | Non-diabetic pre-existing conditions | Non-female/non-male focus diseases. |
Premium range indicated at sum insured of 5 lakh until 40 years in 2025. Premium actually depends on the age, and the sum being insured.
The adoption of specialty plans grew by more than 18 percent, and as of 2025, Star Health Insurance recorded a significant growth of specialty plans with most of the customers opting to apply the plans based on their chronic or gender requirements.
Choose this plan if:
Is it possible to transform my current Star Health plan into the Diabetes Safe B Plan?
Yes, on medical underwriting and provided you qualify to enter. Contact Star Health customer care to get details.
This plan suits you if:
Diabetes Safe B Plan has stable and slightly lower premiums because the product is fixed in the case of diabetics and risks are calculated adequately.
The Women Care Plan premiums are more differentiated and will depend on the age, the sum insured that has been selected and optional covers such as newborn covers, infertility covers or critical illness covers.
The claims of Diabetes Safe B Plan are averaged and quicker when it comes to disease focused care and cashless hospitalization that makes the claims accepted with approximately 93 percent approval rate in 2025.
With Women Care Plan, turnaround is determined based on maternity, surgery or outpatient type of claims. With effective Star Health digital claim system, the approval rates stand above 90 percent.
According to financial planners, it is best to check benefits, sub limits, and OPD inclusions before making a selection since even specialized plans can be waiting on select non-diabetes or non-maternity cover.
Question: Does an insured with Star Diabetes Safe B Plan cover heart or eye surgeries that are not related to diabetes?
A: These should only be secondary to diabetic complications. Health concerns that are not diabetic are not covered.
Q: Does the Star Women Care Plan include the possibility of adding a male member?
A: It is only in the family floater plans that have limited benefits where the emphasis is on female-oriented health.
Q: Does it have a co-payment feature in these policies?
A: Co-payment may be applied on some age groups or optional features in both plans, refer to the schedule when purchasing.
Q: Are outpatient plans and consultation expenses included in these plans?
A: Yes, the two offer limited OPD cover. Some of the areas that are covered by the Women Care Plan are wider compared to Diabetes Safe Plan which deals with management of diabetes.
Q: Am I able to transfer current health insurance to any of the plans?
A: Portability: Portability is permissible according to the IRDAI guidelines, under medical underwriting, and the conditions of the policy.
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!
