Coverfox.com
  • Insurance
    • Car
      • Car Insurance
      • Companies
      • Third party car insurance
      • Comprehensive car insurance
      • Car insurance calculator
      • New car insurance
      • Zero Dep Car Insurance
      • Buy Car Insurance
      • Compare Car Insurance
    • Bike
      • Two Wheeler Insurance
      • Two Wheeler Insurance Companies
      • Two Wheeler Insurance Claim
      • Two Wheeler premium Calculator
      • Third party Bike insurance
      • Multiyear Bike Insurance
    • Health
      • Health Insurance
      • Companies
      • Mediclaim Policy
      • Individual Health Insurance plans
      • Critical illness insurance
      • Senior citizen health insurance
      • Arogya sanjeevani policy
      • Coronavirus Health insurance
    • Term
      • Term Insurance
      • Companies
      • Life insurance
      • Life Insurance calculator
      • Term Insurance calculator
      • Life Insurance Plans
      • 1 crore term insurance
      • Compare Term Insurance
      • Buy Term Insurance
      • Term Insurance Renewals
    • Investment
      • Investment Plans
      • Companies
      • Buy Investment Plans
      • Child Plans
      • Pension Plans
      • ULIP
      • Endowment Policy
      • Tax saving investment
      • Buy ULIP
      • Best ULIP
  • About Coverfox
    • About us
    • Insurance Blog
  • Claims
  • Contact us
  • Login
image title
HEALTH INSURANCE

Health Insurance Tips For Diabetics

Janhavi Shinde Janhavi Shinde 03 February 2017

Living with diabetes could be fairly expensive and challenging. Apart from the dreary health complications it could cause, it’s equally tiresome to find the right health plan that could cover Diabetes and Hypertension.

Health insurance for diabetes and hypertension patients

The abrupt lifestyle changes have made such ailments prevalent even among young adults and children. If figures are to be believed, India is not too far from being the second diabetic capital of the world – first being China – with about 41 million already affected. Hypertension is catching up closely with a projected number of 107.3 million expected to be suffering by the year 2025, as per a study conducted in 2005.

Diabetes and hypertension, in general, could lead to several other health complications ultimately leading to heavy medical expenses. Over time, insurance companies have realized the importance of covering these ailments as well. This has offered the much-needed financial relief to the customers who had otherwise lost hope.

This article is an effort to address the questions that you might ask about the cover provided on these fatal ailments.

A stitch in time saves nine

Most people are confused about the right time to buy a health insurance policy. Well, we say: get one as soon as possible. One should not wait for a tragedy to strike us to invest in a good health plan. Here’s why you should consider buying a health insurance plan at an early age:

Waiting Period Health Insurance Pre-existing ailments, like diabetes and hypertension, invite a waiting period of 2-4 years for the complete cover. If you buy a health cover in the early stages of detection, chances are that it will cover the waiting period before the need for any major hospitalization arises.

Note: In case of Star Diabetes safe plan, there is no waiting period for coverage of type 1 and type 2 diabetes.

Lower Premiums

Buying health insurance at a young age will also mean that lower premium is charged. Moreover, loading in premium is less likely to happen if the plan is bought at a time when the ailment was less severe.

Terms You Might Want to Know

Pre-Existing Disease & Waiting Period: Any ailments that an individual suffers at the time of buying the health plan is termed as a Pre-Existing Disease (PED). Generally, PEDs are excluded from the scope of coverage for a few years. Depending on the insurance company, this period might range from 2–4 years. Hence, if you are suffering from diabetes or hypertension at the time of buying the cover, any complications arising out of these ailments will not be covered during the waiting period as per policy terms.

Premium loading : Depending upon the severity of the disease and underwriting guidelines, the insurance company might upsurge the premium amount a bit. This may not sound charming, but considering the medical costs that might be involved in the long run, it may turn out to be an apt deal.

Claims: Once the waiting period for the pre-existing disease is over, the claims arising for any hospitalization involving diabetes or hypertension are processed just as normal. As per the standard process, the claim can be processed either in cashless method or by way of reimbursement.

Insurance Players Offering Plans for Diabetes and Hypertension Patients

- Star Health Insurance Company

- Oriental Health Insurance

- Apollo Munich Health Insurance

- New India Assurance Company

- L&T Health Insurance

Coverfox Insight

Diseases like Diabetes and Hypertension could be quite taxing, emotionally as well as financially. While we might be able to help you deal with the emotional anxiety, we can certainly suggest you the ways to deal with the financial obligations. Coverfox is here with unbiased advice and the best services!

Call our Customer Service Unit on 1800-209-9970 (toll free). You can also email us at help@coverfox.com.

Get Low Cost Health Insurance.
Mediclaim Plans starting from 250*/month
Please enter your name and a valid phone number
Thanks! We will get back to you soon.
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.
Coverage ranging from
2 lakhs to 1 crore
Save tax on 75,000/- under section 80D
Cashless hospitalization, Free Health Checkup
Get lump sum payout for
critical illness
Janhavi Shinde
Written by Janhavi Shinde
Right from being a Flight Attendant to a Banker and now to a Content Writer, she has tasted success in all the fields. The kinda girl who loves pets and knows how to manage difficult people and events.
MUST READ
POPULAR OTHERS
orthopedic surgery covered by health insurance plan
Find Out if Orthopaedic Surgery is Covered by Your Health Insurance Plan
Claiming tax deduction on medical bills
How a Senior Citizen Can Save Taxes on Medical Bills
psychological health insurance
Is it true that psychological problems are covered by health insurance?
wellness perks in your health insurance
Is it beneficial to have wellness perks in your insurance?
health insurance assist pre and post natal costs
How can health insurance assist in pre-and post-natal costs?
health insurance industry trends
Top 2022 Health Insurance Industry Trends to Watch
  • Popular Health Plans
  • Star Family Health Optima Plan
  • Bajaj Allianz Health Guard Family Floater Plan
  • New India Assurance - Asha Kiran Policy
  • Senior Citizen Red Carpet Plan
  • Religare Care Plan
  • Popular Health Pages
  • Mediclaim Policy
  • Senior Citizen Health Insurance
  • Health Insurance for Parents
  • Critical Illness Insurance
  • Cancer Insurance
  • Health Insurance Premium Calculator
  • Health Insurance Companies
  • National Health Insurance
  • New India Assurance Health Insurance
  • Max Bupa Health Insurance
  • Religare Health Insurance
  • Aditya Birla Health Insurance
  • Star Health Insurance
  • More From Tax
  • Income Tax
  • GST
  • eFiling Income Tax
  • Income Tax Calculator
  • Income Tax Slab
  • Income Tax Refund
  • GENERAL INSURANCE COMPANIES
  • National insurance
  • Oriental insurance
  • United India Insurance
  • Relience General Insurance
  • New India Assurance
  • TATA AIG General Insurance
  • Network hospitals
  • New India Assurance Network Hospitals
  • Tata AIG Network Hospitals
  • Oriental Network Hospitals
  • Bajaj Allianz Network Hospitals
  • Reliance Health Insurance Network Hospitals
  • HDFC ERGO Network Hospitals
  • Popular Health Plans
  • L & T Medisure Super Top Up
  • Max Bupa Health Companion
  • Religare Care Plan
  • Oriental Happy Family Floater
  • Star Mediclassic Insurance Plan
  • ManipalCigna ProHealth Plan
  • SEE ALL
icon Health Insurance icon Articles icon Health Insurance Tips For Diabetes And Hypertension Patients
×

Get Lowest Rates for health Insurance

With Upto 60% Discount

  • Secure
  • Licensed By
  • Payment Options
  • Car Insurance
  • Bike Insurance
  • Motor Insurance
  • Commercial Vehicle Insurance
  • Travel Insurance
  • Car Insurance Premium Calculator
  • Family Health Insurance
  • Senior Citizens Insurance
  • Group Insurance
  • Corona Rakshak Policy
  • Corona Kavach Policy
  • Super Topup Plan
  • Term Insurance
  • ULIP
  • e-Term Plan
  • 1 Cr Term Insurance
  • कार इन्शुरन्स
  • टू व्हीलर इंश्योरेंस
  • टर्म इंश्योरेंस
  • हेल्थ इंश्योरेंस
  • मेडिक्लेम पॉलिसी
  • Learn About Insurance
  • Network Hospitals
  • Cashless Garages
  • Get Android App
  • Learn
  • About Us
  • Contact Us
  • Careers
  • Sitemap
  • FAQs
Connect with us
Become a Partner
Become a Coverdrive POS Agent

Coverfox Insurance Broking Pvt. Ltd. : Unit D4131-4139, 4th floor, Oberoi Garden Estates, Near Chandivali Studio, Andheri East, Mumbai - 400072

Licence No. 478 , IRDA Direct Broker Code: IRDA/ DB 556/ 13 , Valid till: 26/12/2022, CIN: U66000MH2013PTC243810

  • Shipping & Delivery Policy
  • Privacy Policy
  • Cancellation & Refund
  • Terms & Conditions
Copyright © 2022 Coverfox.com. All Rights Reserved