Insurance Covers For Diabetics Patients in India
Diabetes is primarily a self-managed disease and one of India’s most dominant forms of illness. As per a report by the International Diabetes Foundation (IDF), 1 in every 12 people in India has diabetes. An estimated 77 million Indians in the country are affected by this lifestyle disease. And India is home to the second-largest number of diabetic patients in the world.
Health insurance can mitigate the high cost of caring for diabetes and its complications. It may be difficult for diabetic patients in India to find cost-effective health insurance online that covers diabetes-related medical expenses.
The vast majority of traditional health insurance plans for family plans exclude not only diabetes but also its complications. Though the alternatives for diabetes patients seeking health insurance coverage may be limited, checking health insurance online can give you good policy options.
Features of health insurance with diabetic cover
Be sure to check for these features when you compare health insurance online:
- No waiting period: While standard health insurance plans have a 24- to 48-month waiting period for the coverage of diabetes-related illnesses, diabetic-specific health insurance plans may have a limited or zero waiting period.
- Type of diabetes: Hospitalisation costs associated with both Type 1 and Type 2 diabetes, as well as their complications, may be covered by diabetes medical insurance policies.
- Age: Generally, you need to be between 18 to 65 years of age. Still, certain providers offer health insurance for senior citizens with diabetic coverage and let you buy the policy between the age of 60 to 80.
* Standard T&C Apply
What would Diabetic health insurance cover?
Having diabetic health insurance aids in the fight against diabetes. Here is how your health insurance enables you to receive the finest possible care:
- Consultation: It may cover the doctor’s costs, allowing you to consult the top doctors without worrying about the price.
- Diagnostic Fee: It covers diagnostic costs as covered by a health insurance policy.
- Medicines: The policyholder no longer needs to be concerned about the expense of diabetes medications because the health plan covers them.
- Hospitalisation charges: It covers all charges related to the hospitalisation of a person with diabetes, including ambulance cover, room rent, surgery, etc.
- Domiciliary treatment: Domiciliary hospitalisation occurs when an individual receiving medical treatment at home is considered hospitalised. Domiciliary treatment may be covered by many health insurance plans specially designed to protect people with diabetes.
- AYUSH treatment: People with diabetes who wish to explore alternate forms of treatment like Ayurveda, Unani, Sidha, and Homeopathy can do so and claim expenses up to a specific limit as per policy terms.
* Standard T&C Apply
Hence, the most critical health insurance benefit can be the peace of mind that you may concentrate on your rehabilitation rather than worrying about hospital fees.
What’s not covered in diabetic insurance plans?
Diabetes health insurance plans usually do not cover the following:
- Other pre-existing disorders
- Injuries inflicted by oneself
- Treatment of obesity
- Hospitalisation without a doctor’s prescription
- Prenatal and postnatal expenditures
* Standard T&C Apply
To prevent future claim denials, it is imperative that you carefully study the diabetes coverage provisions of your chosen health insurance plan. Under such comprehensive health insurance policies, there are some exclusions, such as waiting period provisions and coverage that excludes some costs for type 1 and type 2 diabetes. Therefore, before investing in such important policies, thoroughly examine the terms and conditions.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.