\ Health Insurance For Diabetes in India: Medical Policy for Diabetic Patients
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Health Insurance for Diabetics

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What Is Diabetes?

Diabetes is a metabolic disorder in which glucose levels increase in your blood. Normally, the food you eat is broken down into glucose, which is converted into energy with the help of a hormone called insulin. When someone has diabetes, the body either doesn’t make insulin or cannot use it effectively. This leads to excessive glucose in the bloodstream.

There are mainly two types of diabetes. Type 1 diabetes occurs when the body does not produce insulin and is therefore insulin-dependent. Type 2 diabetes is more common, usually developing after the age of 30, where the body produces some insulin but not enough or doesn’t respond properly to it.

If diabetes is left uncontrolled, it can cause severe complications over time, including damage to the eyes, nerves, kidneys and increased risk of cardiovascular diseases such as stroke and heart attack. In extreme cases, it can also lead to limb amputation. Gestational diabetes may also develop during pregnancy, posing risks for both mother and baby.

Managing diabetes requires a combination of healthy lifestyle habits and medical support. Regular exercise, a balanced diet, weight management and frequent monitoring of blood glucose levels are essential. Along with these, timely use of prescribed medicines or insulin therapy can significantly lower the chances of long-term complications. Recognising early symptoms of diabetes like frequent urination, increased thirst, unexplained weight loss, or fatigue can also help in quicker diagnosis and better control.

Facts About Diabetes - The fastest growing disease in India

Diabetes is one of the most talked-about conditions in the world. Characterized by high sugar or glucose levels in the blood, this disorder is caused due to absence or irregularities in insulin secretion. There are two types of diabetes, type 1 and type 2, wherein type 1 the body does not produce any insulin at all, while in type 2, the body does not provide much insulin or does not use it to the best. In both cases, there is a high level of sugar present in the patient’s bloodstream.

India is called the ‘Diabetes Capital of the World’, with more than 50 million people suffering from type 2 diabetes. Moreover, this disease is fast catching up even with the younger generation nowadays. The WHO states that by 2030, about 87 million people in India will have diabetes.

The reason for the alarming growth rate of diabetes is the lifestyle choices made by people these days. That is why doctors suggest exercising, not consuming aerated drinks and getting enough sleep to keep diabetes at bay.

Plus, it is also essential to regularly monitor sugar levels and take proper medication to keep diabetes in control.

How does Health Insurance help diabetic patients?

Diabetes is a chronic metabolic condition in which the body experiences high blood sugar or glucose levels due to insufficient or improper insulin secretion by the pancreas. Since insulin regulates the conversion of sugar into energy, this imbalance affects multiple organs over time. Untreated or poorly managed diabetes can lead to severe complications such as stroke, kidney disease, nerve damage and vision problems, making it essential to secure timely medical care.

For individuals living with this condition, health insurance plays a vital role. In most cases, diabetes is categorised as a pre-existing illness. This basically means that you will have to serve a specific waiting period before your claims are admissible. Once this waiting period is over, your health insurance provides coverage for hospitalisation, medicines, diagnostic tests and treatment of diabetes-related complications.

By investing in a comprehensive diabetes health insurance policy, patients can safeguard themselves from the financial burden of long-term treatment costs. Such policies not only reduce out-of-pocket expenses but also provide peace of mind, ensuring continuous access to quality healthcare. This makes health insurance for diabetes a crucial safety net for diabetic patients who wish to manage their condition effectively while being prepared for any unforeseen medical expenses.

Features of Diabetes Health Insurance

Diabetes Health Insurance is a specialized healthcare policy, which secures all those who suffer from high blood sugar levels. Diabetes, caused due to insufficient or improper insulin secretion, further becomes a cause for other grave ailments like heart stroke, loss of eye vision, and kidney damage. Therefore, diabetes health insurance covers you against the financial cost resulting from all diabetes-related problems.

The insurance plan covers hospitalization costs related to any complications arising out of diabetes, such as renal failure and bypass surgery. Not only that, outpatient expenses incurred during pre and post hospitalisation are also covered. You can either make a cashless or a reimbursement claim.

India is expected to have 123 million diabetes cases by 2040, according to estimates by the International Diabetes Federation (IDF). Since, the diabetes health insurance plan is a specialised plan that will provide immediate and comprehensive coverage for any complication or disease related to diabetes, therefore, investing in this supplementary plan will be worth your money.

Eligibility for Diabetes Health Insurance Plan

Diabetes cannot prevent you from getting a health insurance policy. If you’re diagnosed with Diabetes at the time of purchasing the policy, you will have a pre-existing illness. However, you cannot be denied the policy cover on the grounds of having this illness already. As an applicant with pre-existing illness, you will only have to pay a higher premium because of your increased risk in the future.

You will need to undergo a medical examination to establish your current health condition for the insurer. The insurer may also ask certain questions related to your illnesses. You must not hide anything from the insurer. Although you might have to pay a higher premium as a person with diabetes, not sharing information about your condition when purchasing the policy is a breach of contract. Doing so may result in your claim getting rejected at a crucial time when you need financial assistance.

Moreover, your claim will be accepted after the expiry of the waiting period. We settle claims related to pre-existing illnesses only after a waiting period of 48 months.

What does Diabetes Health Insurance cover?

Diabetes has become a very common ailment among people these days. A chronic illness, this refers to a condition of high blood sugar levels in the body. Although manageable, this illness makes a person more vulnerable to other health ailments like heart strokes and organ damage. Due to this kind of risk attached to this metabolic disorder, a diabetic person needs to secure themselves with a Diabetes health insurance plan.

A diabetes health insurance plan covers all the complications associated with this metabolic issue, such as strokes, kidney damage, vision loss and limb amputation. If, as a person with diabetes, you suffer from any of these problems, then the health insurance plan shall cover you for the treatment costs related to them. Such a plan will keep you secure financially against diabetes-related health problems.

How to claim diabetes health insurance

Diabetes is a chronic illness that stays throughout an individual’s life. It is considered as a pre-existing disease under health insurance.

So, if at the time of purchasing health insurance or a critical insurance cover, you already have diabetes, then a waiting period will apply to you before you can make your claim. Our policy covers pre-existing illnesses after a waiting period of 2 years from the policy purchase date.

Who Can Buy Diabetes Health Insurance?

Health insurance for diabetics is highly beneficial for people who need it the most. Such a plan can be bought by individuals suffering from Diabetes Mellitus Type 2, Diabetes Mellitus Type 1, pre-diabetes, and hypertension.

Frequently Asked Questions About Diabetes Health Insurance

What Is the Sum Insured for Diabetics Health Insurance?

A person with diabetes can choose a sum insured from ₹5 lakh to ₹10 lakh. However, a more enhanced plan which covers pre-existing diseases like diabetes can offer coverage up to ₹1 Crore.

What Is the Waiting Period for Diabetic Health Insurance?

Generally, health insurance policies covering diabetes as a pre-existing disease have a waiting period on the policy, which is around 48 months, i.e., two years.

What Is the Minimum Age for Getting Health Insurance For Diabetics?

Typically, the minimum age for buying health insurance for a person with diabetes is 18 years. In general, the age limit for health insurance plans for people with diabetes is 18 to 65 years.

What Is the Validity of Diabetics Health Insurance?

The validity of health insurance for people with diabetes differs from one company to another. Some insurers have a yearly renewal while others have a limited years policy. Also, the renewal age cap may differ from one insurance company to another, with some policies have no age limit on renewal.

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