Taking care of your health is crucial when you have diabetes. However, the cost of treating diabetes can be prohibitive. To lessen that load, health insurance is essential, but selecting the best Health Insurance for Diabetes. To help you comprehend your options and the coverage that is available to you, this guide will take you through the fundamentals of diabetes health insurance.
How does health insurance help diabetic patients?
A person with diabetes, a metabolic disease, has elevated blood sugar or glucose levels in their body. This is because the pancreas, which controls the conversion of sugar into energy, secretes insulin either insufficiently or incorrectly. The body is affected by this chronic sickness over an extended period of time. In addition to its symptoms, diabetes raises the chance of strokes and complications such as kidney, nerve, and eye damage.
For this reason, people with this sickness must protect themselves from other illnesses. Diabetes is regarded as a pre-existing condition in health insurance plans. First off, even if you have diabetes, you can still obtain health insurance.
Features of Diabetes Health Insurance
Diabetes Health Insurance is a type of specialty health insurance that protects those with high blood sugar. Diabetes, which is brought on by inadequate or incorrect insulin secretion, also increases the risk of developing other serious conditions like kidney damage, heart attacks, and blindness. As a result, diabetes health insurance protects you against the monetary losses brought on by any diabetes-related issues.
Hospitalization expenses for any complications resulting from diabetes, including renal failure and bypass surgery, are covered by the insurance plan. Additionally, outpatient costs incurred both before and after hospitalization are covered.Â
The International Diabetes Federation (IDF) projects that by 2040, there will be 123 million cases of diabetes in India. Investing in this supplemental plan will be worthwhile because the diabetes health insurance plan is a specialized plan that will offer prompt and thorough coverage for any diabetes-related illness or problem.
List of Health Insurance for Diabetes:
- Aditya Birla Activ Health Enhanced Diabetes Plan
Health Insurance for Diabetes, An all-inclusive insurance plan that covers diabetes is the Aditya Birla Activ Health Enhance plan. It is intended for those who already have conditions like diabetes and high blood pressure.Â
- Bajaj Allianz Health Care Supreme Plan
This plan offers coverage ranging from ₹5 lakh to ₹50 lakh and is available to individuals as early as 90 days of age. Following the conclusion of the designated waiting time, it offers coverage for diabetes and other PEDs.
- Cholamandalam Flexi Health Retail Plan
The Cholamandalam Flexi Health Retail plan is perfect for people between the ages of 90 and 65, with coverage ranging from ₹50,000 to ₹25 lakh. This plan protects against diabetes and offers a large sum insured.
- HDFC ERGO Energy Health Insurance Plan
The HDFC ERGO Energy Health Insurance plan is perfect for anyone between the ages of 18 and 65, with coverage ranging from ₹2 lakh to ₹50 lakh. It offers financial protection for treatments and focuses on treating lifestyle disorders like diabetes.
- ICICI Lombard Elevate Plan with JumpStart Cover
The coverage range for the IFFCO Tokio Individual Health Protector Plan is ₹50,000 to ₹20 lakh. People between the ages of 91 days and 65 years can enroll in this plan. It offers financial assistance for additional medical costs, including diabetic treatments.
- Liberty Health Connect Plan with PED Protector Cover
Available to individuals aged 91 days to 50 years, the Liberty Health Connect Plan with PED Protector Cover plan covers a sum insured between ₹2 lakh and ₹40 lakh. With the payment of an additional premium, it is intended to cover pre-existing diseases such as diabetes.
- Magma HDI OneHealth Insurance Plan
This plan is available starting at age 91 and offers coverage options ranging from ₹2 lakh to ₹3 crore. Following the conclusion of the PED waiting period, it provides extensive coverage for diabetes-related medical conditions.
- ManipalCigna ProHealth Prime Insurance Active Plan
For people between the ages of 91 and 70, the ManipalCigna ProHealth Prime Insurance Active plan gives an amount covered ranging from ₹3 lakh to ₹15 lakh. Treatments for diabetes are fully covered by this plan.
- New India Assurance Premier Mediclaim Plan
For those between the ages of 90 days and 65, this plan offers coverage ranging from ₹15 lakh to ₹1 crore. Following the completion of the designated PED waiting time, it covers the costs of diabetes treatment.
- Niva Bupa ReAssure 2.0 Plan with Smart Health+
This plan is appropriate for those between the ages of 91 days and 65 and gives coverage between ₹3 lakh and ₹1 crore. Among other things, it is intended to safeguard against the costs associated with diabetes.
Conclusion
Health Insurance for Diabetes, choosing the appropriate health insurance plan is essential for those who have the disease. Comprehensive coverage is provided by plans such as Aditya Birla Activ Health and Bajaj Allianz Health Care Supreme, which provide financial stability for diabetes-related care. Making the optimal decision is ensured by carefully weighing the advantages.