Health insurance is important for everyone. And diabetic patients are no exception. Diabetes is a lifestyle disease that can be carefully controlled. However, with proper controls, there can be complications also, the treatment of which is very expensive. This is where Diabetes health insurance comes in handy.
Diabetes Health Insurance Policy
Diabetes health insurance helps in managing the high cost of diabetes treatment and related illnesses. It covers hospitalization expenses incurred due to diabetes and related complications. In India, finding a reasonable health insurance plan that covers diabetes-related medical expenses is not easy.
Most of the health insurance policies offer coverage not only for diabetic people but also for complications caused by it. Though there are limited options for people who are searching for health insurance with diabetic cover, many health insurance companies in the country come out with dedicated diabetes insurance plans.
Health insurance is crafted to help you win the battle against diabetes. Here is how health insurance makes sure that you get the best possible treatment.
- It covers the cost of doctor’s fees, so you can consult the best doctors without worrying about the consultation fee.
- It covers the cost of analytical fees as covered under a health insurance plan.
- You do not need to worry about the charge of diabetic medicines, as they are covered under the health plan.
- With health insurance, you can focus on your recovery instead of worrying about the hospital.
Here is a list of the top health insurance policies for diabetics in India:
HDFC Ergo Health Energy Insurance Plan
Energy Insurance Plan is one of the unique plans designed by HDFC ERGO Health for diabetic people. A wellness management program for individuals, this policy covers people with Type 2 Diabetes Mellitus, Impaired Glucose Tolerance, Impaired Fastiose or Hypertension. It provides coverage with no waiting period.
Key Features of HDFC Ergo Energy Insurance Plan
- Cover available from Day 1 for all hospitalisation due to Diabetes and Hypertension
- the plan comes with a combined package, covering Inpatient hospitalisation expenses
- it offers an ecosystem of wellness program & health rewards that help you monitor your health
- It is available with coverage on an individual sum insured basis
- Coverage is available for people between 18 years and 65 years old
- Premium at renewal may change due to a change in your age or applicable tax rate
- The plan comes with a 1-year tenure
- Inpatient hospitalisation coverage available with no sub-limits
- Pre and post hospitalisation and cover with sum insured options ranging from 2 lacs to 10 lacs
Star Health Diabetes Safe Plan
The Diabetes Safe Policy by Star Health is specialized health insurance, designed to offer coverage against complications due to Diabetes (Type I and Type II). Available on an individual and family floater basis, this plan also covers regular hospitalization, outpatient care and personal accident cover.
Key Features of Star Health Diabetes Safe Plan
- Sum Insured ranges between Rs 3 Lakh and Rs 10 Lakh
- No waiting period for complications due to diabetes
- Coverage available for expenses diabetes treatment
- The policy also covers room rents, diagnostic expenses, doctor’s fees, and cost of medicines
- Coverage for donor expenses in a kidney transplant surgery
- Dialysis expenses benefits, payable up to a period of two years
- Compensation in the accidental death of the insured up to 100% of the sum insured amount
- Age limit for people between 18 years and 65 years old
- Cover for 2 years for specified diseases and 4 years for pre-existing ailments
Aditya Birla Active Health Enhanced Plan
Activ Health Enhanced plan is another insurance policy designed by Aditya Birla for diabetic people. A comprehensive health insurance plan, this particular policy provides coverage for hospitalization and other medical needs. Unique benefits include Choice of Hospital Room, Reload of Sum Insured and Chronic Management Program. Further, Active Health Enhanced Plan is a unique policy designed to offer benefits, including a chronic management program for lifestyle diseases such as diabetes, high cholesterol and asthma, hypertension, etc.
Key Features of Aditya Birla Active Health Enhanced Plan
- Coverage available for hospitalization costs incurred in planned treatments and emergencies
- 60 and 180 days cover for pre and post hospitalization expenses
- Cover for Daycare procedures and domiciliary hospitalization
- The facility of auto-reload of the sum insured if basic sum insured exhausts
- Cumulative bonus up to 20% of sum insured) for claims-free years
- Coverage for the medical expenses related to organ transplant
- Minimum required age 91 days and no upper limit on the entry age
- Complimentary health check-up on an annual basis for each adult insured
- Medical tests are tailored based on the life stage of the person
Besides these health insurance plans for diabetic people, there are other policies designed for diabetes people. Care Health Insurance. For details, click here.
Choosing an Affordable Health Insurance Policy
For choosing affordable health insurance for diabetic; compare different insurance policies using an insurance comparison website. Such websites provide you with complete health insurance information based on your age, budget, members to be covered. You’ll receive quotes for multiple insurance companies that you can compare, and then choose the company offering the best premium.
Follow the below instructions to save money on your insurance if you have diabetes;
- Select a company that specializes in insurance for diabetics
- The plan must include coverage for insulin, test kits, injection kits, diabetic shoes and socks, and diabetes-related complications.
- Also, ask other people who have diabetes for recommendations on insurance companies that provide good policies for diabetics.
In a nutshell, a good health insurance policy is the next step to manage your diabetes in an effective manner. Though a regular policy is not sufficient to meet the expenses and frequent medication associated with diabetes, you should opt for a specialized policy that caters exclusively to the medical needs of this lifestyle disease.