Which is the Best Health Insurance for Diabetics in India?

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Best Health Insurance for Diabetics in India

The numbers do not paint a pretty picture, as far as diabetes is concerned. The occurrence of diabetes in the 2010s was about 7.8%. In 2019, the same was at 10.4% and estimates suggest it will grow to 11.2% by 2030. In simple words, the number of people diagnosed with diabetes is constantly on the rise. 

And so is the cost of treatment. Regular diagnostics tests and doctor’s consultation clubbed with medications and monitoring can be overwhelming after a certain point. If your family has a history of diabetes, one of the smarter ways to go about it is to opt for the best health insurance for diabetics in India.

What is Health Insurance for Diabetics?

Diabetes is a medical condition where your body is unable to metabolize sugar and starch. This leads to a larger accumulation of sugar in the blood, which can lead to detrimental health impacts. Health insurance for diabetics is a specially curated plan that offers coverage for diabetes.

Also Read: How To Compare Affordable Health Insurance Plans Online In India?

There are some health insurance plans specially designed for the diabetic such as:

  1. Star Health Diabetes Safe Insurance Policy which provides coverage for all complications related to Type 1 and Types 2 Diabetes
  2. Care Freedom Plan which provides coverage to people with diabetes, high BP, and high BMI
  3. HDFC ERGO Energy plan which provides coverage for the diabetic with wellness and HbA1C Benefit

And here are a couple of reasons why you should seriously consider the plan if you are diabetic or have a family history.

  • Rising Expenses: Diagnosis of diabetes usually means a long thread of expenses. Depending on how severe your diabetes is, you might have to meet a doctor regularly.Regular monitoring of sugar is another important part of the treatment of diabetes. You can either go for lab tests or buy a device to check your sugar levels from your home. Should you avoid taking your medications or proper care, it might lead to hospitalization, which further adds to the treatment expenses.
  • Coverage from Day One: A standard health insurance plan does not cover pre-existing conditions. A lot of insurers have a waiting period before they start covering diabetes. However, the best health insurance for diabetics in India offers you coverage from the first day. The waiting period of health plans will no longer bother you.

What to Expect in Health Insurance for Diabetics?

All those who are looking to buy the best health insurance for diabetics in India can expect some of the following features.

  • Pre and post hospitalization expenses like a standard health plan
  • Expenses related to hospitalization
  • Option to renew the policy lifelong
  • Expenses related to organ donation
  • Support and monitoring of wellness
  • Tax benefits for the policy premium paid

As is the case with any insurance plan, a health insurance plan for diabetes does not include everything. Here are some exclusions of the plan.

  • Treatment-related to cosmetic surgeries
  • Coverage for any other pre-existing condition apart from diabetes
  • Injuries caused due to wars or self-inflicted injuries
  • No coverage for sexually transmitted diseases

Like any other health insurance plan, the diabetes health plan covers pre-existing conditions once you complete the 24-month waiting period. 

If you are diabetic, it is only natural to wonder can diabetics get life insurance? The simple answer is Yes. Someone who has their diabetes under control and is diagnosed at an early age is more likely to get life insurance even with diabetes. 

With more insurers offering insurance for diabetics, you can grab a policy that is light on your pockets.

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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