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Health Insurance Plans For Diabetic Patients

Diabetes is one of the most common ailments that the Indian people have. As per the report, in India, more than 76 million people are affected by this chronic disease whereas it can easily reach up to 123 million by the end of 2040 according to the International Diabetes Federation. Diabetes can be of two types, Type I and Type II. Both types are very dangerous for our body and immune system as it acts as a slow poison.

Apart from its own damaging power, diabetes gives birth to different other diseases. So, the lifelong treatment of it can pose a huge burden on the shoulders of the individuals because of the sky-rocketing expenses of the medical treatments. Moreover, even if you have a standard health insurance policy, most of the time, it excludes the diabetes cover because of its critical and chronic nature. So, in that case, a dedicated diabetes health insurance plan becomes an indispensable part of life. It always helps us to fight against this ailment to safeguard ourselves and to maintain a healthy lifestyle too. In a nutshell, it plays a pivotal role to keep us healthy and share our financial burden.

Best 5 Health Insurance Plans For Diabetes Patients Available In India

In India, the insurance market is flooded with health insurers that have come up with a sack full of health plans dedicated to diabetes patients. So, it really becomes difficult for a policy-seeker to find out the best one for himself. To ease out your problem, here is a list of the 5 best dedicated diabetes plans offered by different insurers that are available in India. These plans can cater to the needs of yours making your life more secure and protected. Have a look at the below table to know about the plans and their eligibility criteria.

Plan nameCompany nameEligibilityEntry ageWaiting periodSum insured
Activ Health Platinum Enhanced Diabetes PlanAditya Birla Life InsurancePatients diagnosed with diabetes

Family Floater Policy:

Minimum – 91 days (for dependent children)

18 years (for adults)

Individual policy:

Minimum – 5 years

30 days, 24 months, and 36 monthsRs. 2 lakhs to Rs. 200 lakhs
Diabetes Safe Insurance PlanStar Health and Allied InsuranceAny person with Type I or Type II Diabetes MellitusMinimum – 18 years
Maximum – 65 years
30 days, 12 months, 24 months, and 48 months

Rs.3,00,000/-,

Rs.4,00,000/-,

Rs.5,00,000/-

and

Rs.10,00,000/-

National Parivar Mediclaim Policy

National InsurancePre-existing diabetes and hypertension

Minimum – 18 years

Maximum – 65 years

90 days, 1 year, 2 years, and 4 years

From Rs. 1 lakh to Rs. 10 lakhs
Care Freedom Health Insurance PlanCare Health InsurancePeople dependent on insulin injections

Care Freedom Plan 1:

Dependent child – Minimum 90 days and maximum 24 years

Adults – Minimum 18 years and no maximum upper limit.

Care Freedom Plan 2:

Individual: 46 years

Floater: Eldest Insured Person minus 46 years

Other Adult: 18 years Child: 90 Days

30 days and 2 yearsRs. 3 lakhs, Rs. 5 lakhs, Rs. 7 lakhs, and Rs. 10 lakhs
Energy Diabetes Health Insurance PlanHDFC ERGO General Insurance CompanyType I and Type II diabetic patients and people suffering from pre-diabetes and hypertension.

Minimum -18 years

Maximum – 65 years

No waiting period for type I and Type II diabetes.

2 years for specified illnesses or surgeries.

2 years on PEDs.

Brief-Description of Diabetes Health Insurance Plans

Follow the below mentioned to know about the brief details of the policies.

1. Aditya Birla Activ Health Platinum Enhanced Diabetes Plan

Aditya Birla Activ Health Platinum Enhanced Insurance Plan is a type of health insurance plan that has come up with the diabetes cover. The insured can avail of the modern treatment methods and cashless home treatment under this plan. This plan is specially designed to offer protection and security to those people who suffer from diabetes and hypertension.

Key Highlights:

  • This policy covers pre and post-hospitalization expenses up to 60 days and 180 days respectively.

  • With this plan, you can have access to Chronic Management Programme if you are diagnosed with a chronic condition after buying this policy like diabetes, asthma, high blood pressure, and high cholesterol.

  • This plan offers coverage for the expenses arising out of different tests, doctor’s consultations. It also provides you with Expert Health Coaches to guide you to make healthy decisions.

  • If you stay healthy and maintain a good lifestyle, you can earn up to 100% of the premium. Additionally, you have the chance to earn a 50% No Claim Bonus for every claim free year up to a maximum of 100% of the Sum Insured.

2. Star Health and Allied Diabetes Safe

This is a completely dedicated diabetes plan that has come up with a lifelong renewal facility and you can have the flexibility to choose from 1 year. 2 years and 3 years policy term. Under this plan, one can pay the premiums either quarterly or half-yearly or annually, or biennial or triennial method according to his/her choice.

Key Highlights:

  • This plan offers coverage for the expenses arising out of hospitalization due to diabetes related complexities. This includes Room (Single StandardA/c room), Boarding and nursing charges, Surgeon’s fees, Consultant’s fees and/or Anaesthetist’s fees, Cost of Blood, Oxygen, diagnostic expenses, and ICU charges, and cost of medicines and drugs.

  • For emergency medical transportation road ambulance cover is available up to -to a sum of Rs.2000/-per policy period.

  • Coverage for outpatient medical expenses and modern treatments is also available under this policy.

  • One of the special features of this plan is it provides coverage for donor expenses and the cost of artificial limbs due to amputation.

3. National Parivar Mediclaim Policy

It is an indemnity floater health insurance that covers all the members of the family under a single sum insured and this plan also has come up with the optional pre-existing diabetes and hypertension cover. This plan offers the flexibility to its customers to choose among the 1 year, 2 years, and 3 years policy period and provides coverage for Allopathy, Ayurveda, and Homeopathy medical treatments up to 100% of the sum insured. The premium amount of this plan varies on the basis of the geographical location of the policy-seeker and it offers attractive premium discounts on certain grounds. 

Key Highlights:

  • The insurer will pay the expenses for the treatments of diabetes and/ or hypertension, only if it is pre-existing, from the inception of the Policy.
    On completion of continuous 48 months of insurance, the additional premium and co-payment will not be applicable.
  • This plan offers coverage for the in-patient hospitalization expenses such as room rent/ICU charges, medical practitioners, surgeon, anaesthetist, consultant, specialist’s fees, and other charges that are subject to the pre-specified limits mentioned in the policy.
  • Treatment for morbid obesity, correction of eyesight, that is refractive errors above -7.5 D are now covered after specified waiting periods
  • Correction of eyesight, i.e., refractive errors above -7.5 D are now covered after specified waiting periods.
  • This plan has also come up with the lifelong renewability cover and offers hospital cash benefits and cashless hospitalization facilities to its consumers.

4. Care Freedom Health Insurance Plan

Care Freedom Health Insurance plan has come up with diabetes cover that is available both on an individual and family floater basis. This plan has the facility of automatic recharge of base sum insured if the claim amount exhausts your coverage limit. It also pays for the consumable allowance such as transportation, attendant’s cost, and other daily expenses that are subject to a maximum limit of 7 days per Hospitalization after 3 days.

Key Highlights:

  • This plan offers coverage for pre and post-hospitalization expenses along with the in-patient hospitalization costs such as intensive care unit charges to

  • surgeon’s fee, doctor’s fee, anesthesia, blood, oxygen,

  • operation theatre charges, and many more.

  • It covers more than 170 day care treatments.

  • For diabetes patients, it offers an annual health check-up facility that includes Complete Blood Count with ESR, Urine RE, Blood Group, Fasting & PP Blood Sugar, TMT, Lipid Profile, Kidney Function Test, Liver Function Test, TSH, Medical Examination Report, HbA1C, Urine for Microalbuminuria, and HbsAg.

  • For this policy, the grace period is of 30 days and the free look period is of 15 days and also comes with a lifelong renewability facility.

5. Energy Diabetes Health Insurance Plan

This is a dedicated diabetes plan that is available in two variants, Silver (excludes the cost of wellness test) and Gold (includes the cost of wellness test). Not only this plan safeguards you from diabetes, but also it offers coverage for in-patient hospitalization expenses arising from accidental injuries and other critical illnesses, etc.

Key Highlights:

  • This plan offers you the Active Wellness Programme along with a personalized health coach that will guide, monitor, and manage your health.

  • On the basis of the results of your medical check-ups and critical health parameters such as BMI, BP, HbA1c, and Cholesterol, if you are found healthy, this plan offers incentives and also reward points, which can give you a 25% renewal premium discount for staying healthy.

  • Under this plan, you can save taxes up to Rs. 75,000 as per the Income Tax Laws of India.

  • Along with almost all the basic covers of a usual health insurance plan, it has also come up with HbA1C benefits that offer coverage for the expenses of HbA1C tests up to Rs. 750 per policy year.

Factors That Influence Premiums of Diabetes Plans?

There are a few factors that can put an effect on the premium amount of your diabetes health insurance plan. Those factors are as follows.

Age – The earlier you get diagnosed with diabetes, the worse effect it can put on your health, and the medical expenses will rise exponentially. Similarly, if you are diagnosed with the same in the later stages of life and have no other medical conditions, it is likely to have a lesser bad effect on your health and similarly on your premium quote.

Type of Diabetes – Diabetes is of two types, Type I (insulin-dependent) and Type II (without insulin). If you have Type I diabetes, the premium amount will rise automatically. If you are in the pre-diabetic stage, the premium amount will be lesser too.

A1C Level – A normal A1C level is below 5.7%, a level of 5.7% to 6.4% indicates prediabetes, and a level of 6.5% or more indicates diabetes. Within the 5.7% to 6.4% prediabetes range, the higher your A1C, the greater your risk is for developing type 2 diabetes. So, on the basis of your A1C level, the premium quote will vary.

Other Health Conditions – Apart from diabetes, if you are suffering from other medical ailments, your health condition may turn worse and the medical expenses will rise accordingly and so does the premium of your diabetes plan.

Lifestyle – If you maintain a healthy lifestyle and try to nurture a good portfolio, it indicates that your diabetes level will stay within control. Side by side, visiting a doctor regularly and having health check-ups on a regular basis, will decrease the health risks as well as your premium quote.

Why Should You Invest in a Diabetes Plan?

A dedicated diabetes health insurance plan helps you to fight against the ailment and to maintain a healthy life as well. Have a look at the importance of a diabetes plan.

Medical Costs – A diabetes plan offers you coverage for medical treatments arising out of diabetes. That includes doctor’s fees, hospitalization charges, pharmacy bills, etc.

Healthy Lifestyle – Most diabetes plans offer you a personal portfolio to maintain a healthy lifestyle to keep an eye on your health and also guide you to make wise choices. Thus, it monitors your health.

Diagnostic Fees – It provides coverage for the diagnostic costs.

Medical Check-ups – A diabetes plan also covers the expenses of the regular medical check-ups that you need to keep a check on your diabetes level.

Other Benefits – Almost all the benefits that are offered by a standard health insurance policy are provided by a diabetes plan too.

General Exclusions of Health Insurance Plans For Diabetic Patients

Though a diabetes health insurance plan offers us a wide range of benefits, it has also come up with certain exclusions. While you are buying an insurance policy, knowing the exclusions is a very important part to avoid future confusion. To know the general exclusions of a diabetes plan, have a look at the below mentioned.

  • Self-inflicted injury, intentional injury, suicide, and suicidal attempt fall under the category of exclusion.

  • Mental illness and behavioral disorders are not usually covered under a diabetes plan.

  • The cost of any kind of prosthetic surgery, plastic surgery, and aesthetic treatments will not be compensated by a diabetes policy.

  • Involvement in any kind of dangerous and adventurous sports or activities such as sky diving, scuba, racing, mountaineering, etc., and having an injury from it will not be covered under a diabetes plan.

  • War or war-like situations usually fall under the category of exclusion.

Frequently Asked Questions

Generally, it is mandatory to undergo pre-policy medical check-ups before buying a diabetes plan to know about your health condition.

Most of the insurers with diabetes plans offer coverage for both Type I and Type II diabetes. However, very few do cover only one type. For better knowledge, go through the policy wordings carefully of the chosen insurer.

The claim process of a diabetes plan is similar to the health insurance plan of the insurer. For availing of the cashless facility, you need to get admitted to one of the network hospitals of the insurers and follow the further procedure. The insurer will directly pay the hospital. And for the reimbursement process, after availing of the medical treatments, pay the bill and submit all the required documents to the insurer. The claim amount will be sent to your registered bank account.

The required documents are as follows.

  • Age proof
  • Identity proof
  • Address proof
  • Recent passport-size photographs.
  • Any other documents demanded by the insurer.

No, this plan is available only for people who are suffering from diabetes and hypertension.

Yes, you can avail of the cashless facility under this plan in more than 10000 cashless network hospitals of HDFC ERGO.

Yes, the Care Freedom Diabetes Plan covers the expenses of cataract treatment. For 3 lakhs sum insured, the sub-limit is up to Rs. 20,000 per eye. For 5 lakhs, 7 lakhs, and 10 lakhs sum insured, the sub-limit is Rs. 30,000 per eye.

Yes, the Care Freedom Diabetes Plan covers the expenses of cataract treatment. For 3 lakhs sum insured, the sub-limit is up to Rs. 20,000 per eye. For 5 lakhs, 7 lakhs, and 10 lakhs sum insured, the sub-limit is Rs. 30,000 per eye.

Yes, Star Health offers a cashless facility for this diabetes plan.

Yes, it will cover the expenses of Bariatric Surgery on the written advice of a medical practitioner. However, it requires pre-approval from the insurer and the patient’s age should be 18 years and above.

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