Diabetes Health Insurance Plans In India

Diabetes Health Insurance Plans In India – Diabetes is one of the self-managed diseases and one of the most common types of illness in India, as is well known. One in every six persons in India has diabetes, according to reports from the International Diabetes Foundation (IDF). According to estimates, 77 million Indians suffer from this lifestyle disease, making India the world’s second-largest country with diabetes patients.

For diabetic patients to have access to high-quality healthcare to control their high blood sugar levels and either avoid or treat them, they must have enough and inexpensive health insurance. Diabetes sufferers’ hospitalisation costs are covered by their health insurance. Although there are few options available to patients with this type of diabetes who are looking for diabetes insurance.

Features Of Insurance Plan

  • It offers coverage on the both individual and family floater basis.
  • The coverages benefits includes the benefits like medical, diagnostic tests, doctors consultant fees in case of critical illnesses like diabetes, asthma, hypertension etc.
  • Aditya Birla Active Health Enhanced plan offers critical illness cover for the diabetes.
  • It also includes daycare procedures like cataract, dialysis, chemotherapy, among others.
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Benefits Of Insurance Plan

As a part of our all-inclusive health insurance plan, we have access to a wide range of benefits against any health insurance that covers diabetes. As follows:

  • No Claim Bonus
  • Tax benefits under section 80D
  • Portability Benefits
  • In Patient Treatment
  • Ambulance covers
  • Frequent health checkup
  • Restore benefits
  • High end Diagnostic cover
  • Domiciliary treatment

An overview of the best health insurance policies

Diabetes Health Insurance Plans In India
Diabetes Health Insurance Plans In India

Aditya Birla Activ Assure Diamond Health Insurance Plan

One of the top health insurance plans provided by Aditya Birla Health Insurance Company is the Activ Assure Diamond plan. This plan is intended for people and families looking for full coverage benefits with alternatives for a greater insured sum. It includes local and foreign emergency healthcare aid services, second opinions on critical illnesses, and hospitalisation costs for medical reasons. The best aspect is that this health insurance plan also provides optional cancer hospitalisation booster coverage, any room upgrade coverage, and a shorter waiting period for pre-existing conditions.

Bajaj Allianz Health Guard Health Insurance Plan

The Bajaj Allianz Health Guard plan is a comprehensive health insurance programme that guards the insured from any significant medical costs that could put a strain on their finances. It is a complete strategy that is offered to both individuals and families. The best aspect is that this health insurance plan covers both the mother and the unborn child’s medical expenses.

Care Health Care Insurance Plan

An all-inclusive, well-liked health insurance programme is provided by Care Health Insurance Company (Formerly Religare Health Insurance Company). Both individuals and the complete family are covered by this health insurance plan. Additionally, it offers the insured a broad spectrum of medical insurance protection, including domestic hospitalisation, alternative therapies, air ambulance coverage, and overseas second opinions.

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Diabetes Exclusion from Health Insurance Covers

Reading the policy comprehensive language of your selected health insurance plan is crucial if you want to prevent future claim denials. Under such a comprehensive health insurance plan, there are several exclusions, such as waiting time provisions and coverage that excludes some costs for type 1 and type 2 diabetes. Therefore, before making a purchase under such important circumstances, thoroughly study all terms and conditions.

Including Coverage for Diabetes in Health Insurance

  • Patients diagnosed with either type 1 or type 2 diabetes.
  • All complications arouse out of diabetes.
  • Mental and behavioural disorders.
  • Cosmetic or aesthetic treatments.
  • Intentional self injury by the insured that aggravates existing diabetes.
  • Injuries caused by participating sports like racing, scuba, diving, aerial sports, or any other type of dangerous sports.

It should be remembered that although while the premiums for these kinds of particular plans are typically greater than those for a conventional insurance policy, they can be decreased with a controlled diet and consistent activity, which lessens the risk that diabetes poses to a person’s health. Maintaining good health will actually enable you to reduce your premium rates and your waistline visibly. By establishing and maintaining an exercise routine, you can enable savings while improving your own physical and emotional health.

How Health Insurance Benefits Patients with Diabetes?

The fight against diabetes can be won with health insurance. Here’s how health insurance makes sure you get the finest care available.

  • Doctor Fees– It will cover the cost of doctors fees, so you can consult the best of the doctors without worrying about the consultation fee
  • Diagnostic Fees– It covers the cost of diagnostic fees as covered under a health insurance plan
  • Cost of Medicines– The policyholder no longer needs to worry about the cost of diabetic medicines, as they are covered under the health plan
  • Focus on Recovery– With diabetes health insurance you can focus on your recovery instead of worrying about hospital bills 
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Details of Health Insurance Features

Hospitalization Expenses

Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.

Home Healthcare

Cashless Home Healthcare for medically necessary treatment of Illnesses, if prescribed by treating medical practitioner.

Sum Insured Rebound

This benefit adds to the Sum Insured, an amount equivalent to the claim amount, up to basic sum Insured, on subsequent Hospitalization.

Recovery Benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses. It helps to take care of other expenses during your hospitalization.

Preventive Health Check-Up

We care for your well-being and hence we offer preventive health check-up at renewal.

Organ Donor Expenses

Organ donation is a wonderful cause, and we pay the donor’s medical and surgical costs while removing a sizable organ from their body.

Health Insurance Plans

Conclusion | Diabetes Health Insurance Plans

Health insurance for diabetics is advantageous because these plans aid in removing various types of uncertainties. If you want to purchase health insurance, pick the best options that meet your needs and expectations. I’m hoping that this post will help you learn more about travel insurance and that it will also inform you of all the terms and conditions of health insurance.

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