Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.
Updated on Aug 07, 2023 4 min read
You must have seen somebody around, who has suffered from diabetes and its dangerous consequences at once. Being in the category of a lifetime disease, diabetes is dominantly chronic and barely goes away if a person has got it once. Diabetes can be a threat to your life as it comes with various complexities related to your health, financial damage, and mental distress. In such scenarios, a health plan with coverage of diabetes can save you from all the worries of life.
This particular article covers in detail health insurance for sugar patients, the benefits of having diabetes insurance, and several other aspects of buying it in this era. Read further to know more about what health insurance for diabetics unfolds.
A diabetic condition arises when our body stops responding to the production of insulin or when our pancreas stops secreting the required insulin hormone. Due to this, the blood sugar level increases and causes our blood cells (bloodstreams) to neglect using glucose (a form of sugar) for energy generation inside our body.
Diabetes is caused when there is extreme glucose circulating in our body which increases our blood sugar level. Diabetes can be caused due to certain conditions of insulin resistance, autoimmune disease, imbalanced hormones, damage caused in the pancreas, or even genetic mutations/hereditary or neonatal conditions.
Below mentioned are the kinds of diabetes which are majorly categorised into three types:-
Below mentioned prospects are the eligibility criteria for buying health insurance plans for diabetic patients:-
The premium for any health insurance policy, including a diabetes-specific policy, depends on various factors, and these calculations are approved by the IRDAI.
Some of the basic factors that are considered while calculating the insurance premium are:
Health insurance for diabetics allows individuals to look after their healthcare needs and helps them tackle diabetes. With an effective specialized diabetes insurance plan, one can ensure to avail of the best possible treatment.
A comprehensive health insurance policy with coverage benefits for diabetes provides an extended cover for the policyholder. Let's have a look over the coverage benefits of diabetic health insurance:-
However, a health plan with diabetes coverage in India particularly provides all the accessibilities related to diabetes-related issues. But, depending on the type of policy and your insurance provider, a diabetes health plan may not have the below-mentioned coverage:-
Any other medical condition than diabetes such as joint replacement surgery, arthritis, cancer, tuberculosis, osteoporosis, etc are not covered in a diabetes plan.
Intentional self-inflicted injury that aggravates existing diabetes is not covered under the policy.
Any condition of pregnancy, either pre-natal or post-natal treatment would be excluded from the sugar treatment plans.
If the policyholder is unable to show a doctor's medical prescription for hospitalisation, insurance companies are entitled to reject the insurance claim for such voluntary hospital admission.
Warships, deadly nuclear spots, adventurous activities, injuries that are caused by participating in professional sports like racing, scuba diving, aerial sports, or any other dangerous sports, etc that trigger diabetes are not covered.
Any beautification treatment, facial or body surgery is not covered under the diabetes plans. Apart from this, obesity or liposuction treatment is excluded from the diabetes health plan.
The Star Diabetes Safe Insurance Policy specifically designed for individuals diagnosed with diabetes covers both type 1 and type 2 diabetes and complications arising from the illness. Other illnesses associated with diabetes are also covered under the plan.
The HDFC Energy Diabetes Policy is Unique health insurance for diabetics with multiple attractive features such as an active wellness program, no waiting periods, reward bucket, sum insured restoration, and more.
The Care Freedom Plan offers coverage against pre-existing diseases such as diabetes, high BMI, and hypertension. The plan offers a high range of sum insured up to INR 10 lakh and focuses on providing the best health care services to its customers.
The Aditya Birla Activ Health Platinum Enhanced plan covers modern treatment methods and a chronic management program that covers chronic illnesses such as diabetes, hypertension, high cholesterol, and asthma. Insurance holders can focus on the recovery and treatment of chronic illnesses.
ICICI Health AdvantEdge plan is a customizable plan that offers multiple add-ons to its customers. It is a holistic plan designed to cater to every individual for their healthcare needs.
The Niva Bupa Reassure 2.0 plan has three different variants namely, bronze, silver, and platinum. It is an individual and family floater plan providing coverage for diabetes and hypertension from day 1 as an additional disease management feature.
PolicyX.com is an insurance portal that has been designed to allow you to search, compare, and buy an insurance policy in an easy and hassle-free manner. The IRDAI has approved the portal and is one of the best platforms for selecting insurance policies that suit your financial and physical needs. If you need to buy an insurance policy for diabetes, the following steps will help you:
Below are the steps that you can follow to proceed with raising a claim against your health plan with diabetes coverage:-
Since the complexities of diabetes are so tricky to manage for an average individual. Therefore, health insurance plans for diabetic patients come to the rescue. The only way to stay fit and beat diabetic symptoms is with a healthy lifestyle. To maintain your health, you should intake nutritious food, do physical workouts, limit alcohol doses, maintain your sleep cycle, and manage mental stress. Similarly, if you've any possibility of getting diabetic any further in life, you should choose one of the best health insurance plans for diabetic patients. The best way to buy a diabetes health plan is to reach out to the experts at Policyx.com and get a quote for the best sugar health insurance plans available.
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Yes, anyone who wants to buy health insurance, can enjoy the coverage benefits of regular check-ups, treatments, diagnosis, etc out of the sum insured of their policy. In the case of diabetes, you should check what your policy covers related to diabetic treatment.
Most insurance companies offer a sum insured of 5-10 lakhs under the health plan with diabetes coverage. Depending on the type of policy you prefer, the sum insured can go up to rupees 1 crore.
Definitely yes. To not get your health insurance claim rejected, you must inform your health insurance provider about any pre-existing illnesses or a disease including diabetes or anything else.
Coverage for diabetes along with a base health plan depends on your policy type which can vary from one company to another. Some insurance companies provide additional coverage for diabetes with the standard health plan. Whereas some companies like Star Health Insurance offer standalone health plans for diabetic patients.
NPCDCS (National Programme for Prevention and Control of Cancer, Diabetes, Cardiovascular Diseases and Stroke) is the major government scheme for diabetic patients in India which focuses on development, research, early diagnosis and disease treatment, etc.
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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