Health Insurance for Diabetics

Diabetes has taken over the entire world by storm and has become one of the most common lifestyle diseases. Under the current circumstances, you cannot deny the rising costs of medical treatments and diabetes require prolonged care. Moreover, both type 1 and type 2 diabetes may even lead to other serious complications leading to hospitalisation.

It becomes a tough challenge to find an ideal health insurance plan that offers adequate coverage for diabetic people. On the contrary, most of the popular health plans, exclude diabetes from their list of pre-existing ailments and even diabetes-related complications.

Since most people, even those belonging to a relatively younger age group are now suffering from type 2 diabetes. It is like an epidemic that has engulfed the world. Quite an alarming percentage are even suffering from type 1 diabetes too. Diabetes can never be entirely cured. You have to remain under continued medical treatment throughout your life. Moreover, such prolonged treatment procedures are never too cheap.

Under such circumstances, opting for a diabetes-friendly health insurance plan might prove to be a saviour. It will cover all diabetes-related ailments, hospitalisation costs due to diabetes, the cost of diagnosis, doctor’s consultation fees, and recurring treatment costs. It offers coverage for both type 1 and type 2 diabetes and saves your expenses out-of-the-pocket for this.

A standard diabetic health insurance plan covers both type 1 and type 2 diabetes. It offers coverage for:

• Consultation fees of the doctor: Without worrying about the consultation fees, you can consult the best endocrinologist in town with this coverage.

• Recurrent costs of medicines: As the regular medical costs get covered by such health insurance plans, the insured can shed off all worries related to expensive medical costs.

• Expenses of investigation and diagnosis: This sort of health plan even covers all diagnostic expenses relate to diabetes.

• Hospitalisation cover: If your diabetes level rises too high leading to hospitalisation, then too, you can focus better on recovery, rather than worrying about hefty treatment costs.

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1). Star Health and Allied Diabetes Safe Health Insurance Plan

This health plan has been specifically crafted for diabetes patients. It covers both diabetes-related hospitalisation and general hospitalisation. It even covers accident cover too. The coverage amount limit can be INR 3/4/5 or 10 lakhs.

This plan is available in two variants A and B. The difference between these two is that for the A type, a pre-policy check-up is essential while it is not for the other type.

This is available for both individuals as well as family floaters. After 65 years of age, an assured lifetime renewal facility is available here.

It offers 15 days free look period and 30 days grace period for renewing the plan after expiry.

2). National Varishtha Mediclaim Policy

This plan has been specially crafted for diabetic people between 60 and 80 years. You can add a rider for hypertension coverage too.

The limit of domiciliary treatment cost is up to 20% of the total sum assured, although it is not applicable for diabetes treatment.

This plan even covers benign prostatic hyperplasia and cataract surgeries for up to INR 20000 and INR 10000 respectively.

The coverage limit can be either INR 1 lakh or 2 lakhs.

3). Aditya Birla Activ Health Platinum

This is a comprehensive health insurance coverage, against all medical bills offering access to the special Chronic Management Program. The policy term ranges between 1-3 years and is available in both individual and family floater plans. The sum insured amount limit is between INR 50000 and INR 2 cr.

The minimum age limit for children is 91 days to 5 years; while for adults, the beginning age is 5 years, with no upper age limit. The initial waiting period is 30 days.

4). Care Freedom

With this, you can avail optimum medical coverage for pre-existing ailments like diabetes, and BP with zero waiting period, bearing a co-payment option of 20%-30%. The sum insured amount varies between INR 3 lakhs and INR 5 lakhs for the A variant, and for the B variant, it is INR 7-10 lakhs. Both individual and family floater options are available and the policy term ranges between 1-3 years.

This plan allows lifelong renewability and comes with an initial waiting period of 30 days. The minimum age limit for adults is 18 years to lifelong, while for children, it is 90 days to 24 years for one variant. For the other variant, an individual needs to be 46 years; in the case of the floater plan, the oldest person must be 46 years, another adult must be of 18 years, and a child can be of 90 days.

You do not need any pre-policy health check-ups. Moreover, it even offers dialysis coverage and a yearly health check-up facility. HDFC Ergo Energy Diabetes

This health plan has been exclusively designed for people with pre-existing ailments like hypertension and diabetes. There are two variants: silver and gold. The sum insured amount ranges between 2/3/5/10/15/20/25 and 50 lakhs.

The minimum entry age is 18 years and the upper age limit is 65 years. There is no family floater option and the policy term is 1 year.

The initial waiting period is of 30 days.

5). HDFC Ergo Energy Diabetes

This health plan has been exclusively designed for people with pre-existing ailments like hypertension and diabetes. There are two variants: silver and gold. The sum insured amount ranges between 2/3/5/10/15/20/25 and 50 lakhs.

The minimum entry age is 18 years and the upper age limit is 65 years. There is no family floater option and the policy term is 1 year.

The initial waiting period is of 30 days.

This article highlights some of the major health insurance plans that are suitable for diabetic patients. You can clarify further details and proceed to make the purchase, provided all the conditions are suitable for you.