How much critical illness cover do I need?

Considering India's skyrocketing price of medical treatment costs, you should opt for the critical illness policy with the maximum possible cover. While calculating the critical illness cover amount, consider the factors such as inflation, number of dependent family members, debt obligations, and rising medical expenditures.

What are the documents required for critical illness cover?

If you want to buy critical illness insurance, you need to furnish some basic documents such as proofs of your identity, address and age, etc. In some cases, you may need a medical test report.

Can I get critical illness cover after cancer?

You must disclose your complete medical history at the time of purchase. Your proposal acceptance will be subject to medical underwriting guidelines

Do all insurance providers in India cover the same critical illness?

The list of critical illnesses covered under critical illness insurance differs from one insurance provider to another. Therefore, before applying for a critical illness insurance policy, read the policy wording mentioned on the insurer website. At ICICI Lombard, we offer critical illness for 9 diseases, including cancer, open-chest CABG, and end-stage kidney disease.

What are the tax benefits under a critical illness insurance?

The premium you pay towards critical illness insurance is subject to tax deduction under section 80D of the Income Tax Act, 1961. In addition, the money you receive as a payout of a critical illness claim settlement is also tax-free.

How to select an ideal critical illness cover?

While choosing the ideal critical illness insurance cover, consider illnesses covered, waiting periods, compare premiums from various insurance providers, and then decide.

What are the factors to keep in mind while opting for critical illness insurance?

Before buying critical illness insurance, you should consider a few important aspects. Some of the important factors to keep in mind are the number of illnesses covered, exclusions in the policy, amount of premiums, survival period, claim settlement ratio of the insurer, and sub limitations, among other things.

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Health Insurance for Diabetic Patients

Health insurance for diabetic patients is essential because diabetes is a long-term condition that can affect multiple organs if not managed properly. High blood sugar levels caused by inadequate or improper insulin secretion often lead to complications like kidney issues, nerve damage, stroke and vision problems. With rising medical costs and the need for continuous care, having a reliable health insurance plan becomes crucial. The right policy helps cover hospitalisation, medicines, diagnostic tests and long-term treatment expenses, offering financial protection and uninterrupted access to quality healthcare for those living with diabetes.

Extensive coverage for you and your family
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Protects against high medical costs

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.

Types of Diabetes:
- Type 1: The body doesn’t produce insulin and requires insulin support.
- Type 2: More common, usually after age 30; the body produces insulin but not effectively.
- Gestational diabetes: Occurs during pregnancy and affects both mother and baby.
Complications if Uncontrolled:
- Can lead to eye, nerve, and kidney damage.
- Increases risk of stroke and heart attack.
- Severe cases may result in limb amputation.
Managing Diabetes:
- Maintain a healthy diet, regular exercise, and proper weight.
- Monitor blood glucose regularly and take prescribed medicines or insulin on time.
- Stay alert to early signs like frequent urination, increased thirst, fatigue, and unexplained weight loss.

Facts About Diabetes - The fastest growing disease in India

Diabetes has become one of the most rapidly rising health concerns in India, affecting people across different age groups. It occurs when blood sugar levels remain high due to irregular or insufficient insulin production. With lifestyle habits changing fast, the number of people diagnosed with diabetes continues to grow every year.

Diabetes is caused when the body doesn’t produce insulin properly, resulting in high sugar levels in the bloodstream.

It appears mainly as Type 1 (no insulin production) and Type 2 (low or ineffective insulin usage).

India has over 50 million people living with diabetes, and WHO estimates this number may reach 87 million by 2030.

Modern lifestyle habits—lack of exercise, high consumption of sugary drinks and poor sleep—are driving the rapid increase.

Regular monitoring of sugar levels, healthy living and timely medication are key to keeping diabetes under control

How does Health Insurance help diabetic patients?

Diabetes is a long-term condition where high blood sugar levels affect the body due to insufficient or improper insulin secretion. Over time, unmanaged diabetes can impact vital organs and lead to serious complications such as kidney disease, nerve damage, stroke or vision problems. Because of this, having dependable medical support becomes essential for anyone living with diabetes.

Diabetes is commonly treated as a pre‑existing illness, meaning policyholders must complete a waiting period before diabetes‑related claims are covered.
Once the waiting period ends, health insurance helps manage costs related to hospitalisation, medicines, diagnostic tests and treatments for diabetes‑linked complications.
A dedicated or comprehensive diabetes health insurance policy reduces out‑of‑pocket expenses and offers financial protection against long‑term treatment needs.
Having the right health insurance ensures uninterrupted access to quality healthcare and peace of mind when dealing with unforeseen medical situations.

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The article covers common surgeries performed in elderly patients, including cataract, knee replacement, cardiac, and spinal procedures. It explains recovery risks, post-surgery considerations, and the importance of senior citizen health insurance in managing hospitalisation, treatment, and follow-up care expenses.

26 May 2026

Diabetes in Women: All You Need to Know

The article explains common symptoms, causes, and risk factors linked to diabetes in women. It also covers lifestyle changes for blood sugar management and highlights the importance of health insurance in covering consultations, tests, medicines, and long-term treatment costs.

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Complete Guide on Fraudulent Health Insurance Claims

The article explains different types of fraudulent health insurance claims, including fake treatments, inflated bills, forged documents, and identity misuse. It also covers legal consequences under Indian law and highlights how accurate claim filing supports smoother claim processing and policy continuity.

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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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Health Insurance for Diabetic Patients

What Is Diabetes?

Types of Diabetes:

Complications if Uncontrolled:

Managing Diabetes:

Facts About Diabetes - The fastest growing disease in India

How does Health Insurance help diabetic patients?

Health Insurance Blog Articles

Most Common Surgeries for Elderly: Complete List & Risks

Diabetes in Women: All You Need to Know

Complete Guide on Fraudulent Health Insurance Claims

Frequently asked questions

What Is the Sum Insured for Diabetics Health Insurance?

What Is the Waiting Period for Diabetic Health Insurance?

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

What Is the Validity of Diabetics Health Insurance?

Popular Searches

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Health Insurance for Diabetic Patients

What Is Diabetes?

Types of Diabetes:

Complications if Uncontrolled:

Managing Diabetes:

Facts About Diabetes - The fastest growing disease in India

How does Health Insurance help diabetic patients?

Health Insurance Blog Articles

Most Common Surgeries for Elderly: Complete List & Risks

Diabetes in Women: All You Need to Know

Complete Guide on Fraudulent Health Insurance Claims

Frequently asked questions

What Is the Sum Insured for Diabetics Health Insurance?

What Is the Waiting Period for Diabetic Health Insurance?

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

What Is the Validity of Diabetics Health Insurance?

Popular Searches

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