Updated on 13 Dec 2025
Managing Type 1 diabetes requires regular medicines, doctor visits and sometimes emergency care. All of this can be expensive, especially if it continues for many years.
This is why having a good health insurance plan with diabetes cover is very important. It not only helps in reducing financial stress but also ensures that you can access the right treatment when needed.
What is type 1 diabetes?
Type 1 diabetes is a medical problem where the body does not produce enough insulin. Insulin is a hormone that helps the body control blood sugar levels. Without insulin, sugar begins to accumulate in the blood, which can be harmful.
People with Type 1 diabetes generally need daily insulin injections or an insulin pump. They also need regular health check-ups, tests and monitoring.
Why should you opt for health insurance with diabetes cover?
Living with Type 1 diabetes means regular expenses on medicines, doctor consultations, blood tests and sometimes hospitalisation. A health insurance plan with diabetes cover helps you manage these costs. Instead of worrying about money, you can focus on the treatment.
Features of health insurance with diabetes cover
Health insurance plans that include diabetes cover usually come with:
- Coverage for hospitalisation related to diabetes complications.
- Pre- and post-hospitalisation expenses.
- Cover for regular check-ups and diagnostic tests.
- Cashless treatment at network hospitals.
- Option to add critical illness insurance coverage for serious health issues associated with diabetes.
Eligibility for health insurance with diabetes cover
Most health insurance companies in India offer diabetes coverage for individuals above a certain age, typically starting from 18 years. Some plans may have a waiting period before diabetes-related services are covered. This means you may need to wait for a few months or even a year after buying the policy before you can claim diabetes-related treatment. It is always better to buy a plan early, so you get covered sooner.
Exclusions under health insurance with diabetes cover
Although diabetes coverage is beneficial, it has some exclusions.
These may include:
- Pre-existing complications not disclosed when purchasing the policy.
- Costs of non-prescribed medicines or alternative therapies.
- Cosmetic treatments or unrelated health issues.
- Expenses beyond the sum insured.
Reading the policy document carefully before purchase is very important to avoid surprises later.
Benefits of type 1 diabetes health insurance
The biggest benefit is financial support. Diabetes is a lifelong condition, and treatment can be costly.
With medical insurance, you get:
- Relief from high hospital bills.
- Regular care and monitoring without financial strain.
- Access to better hospitals and treatment options.
- Long-term peace of mind for you and your family.
Conclusion
Type 1 diabetes requires constant care, and health insurance with diabetes cover can make the journey much easier. It reduces financial stress, supports proper treatment and offers peace of mind that assistance is always available.
While you focus on managing your health, let us guide you to the right health insurance plan for your needs. Fill out the form on this page to receive personalised advice and solutions for Type 1 diabetes health cover.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.