Does Health Insurance in India Cover Diabetes?

The complications facing by an individual who has been suffering from diabetes are strenuous. Diabetes is a condition wherein the insulin level of a human body drops to such an extent where the blood sugar level simply cannot be managed naturally. With time, this condition sometimes also leads to other disorders and ailments if not managed carefully and properly.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    In terms of finances, a burden is upon the patient and the family as the medical bills commence piling up. Therefore, it becomes important to be financially protected and opt for a health insurance policy.

    Having the health insurance plan in place is a smart decision as it offers guaranteed coverage in case of incurred medical expenses related to health. Choose the best health insurance policy in India and it will take care of the patients medical bills and the savings will be safe and not nullified.

    Statistics Say!

    As per International Diabetics Federation, about 463 million populations suffer from diabetes across the globe. And the 88 million populations belong to the region of Southeast Asia. Within this, the 77 million populations belong to India.

    India is at a second position wherein the children have Type 1 diabetes after the United States of America. Moreover, as per the World Health Organization, 2 per cent of the deaths in India is because of diabetes.

    Breaking the Monotony

    Many people believe that as they suffer from diabetes they cannot buy the health insurance policy.

    Breaking it to you, it is a ‘myth’.

    In case you are not aware, a health insurance policy provides coverage for pre-existing ailments such as diabetes, blood pressure, and so forth. You just need to check the same with the health insurance company if a specific illness is covered.

    Let us take an understanding of the different perspectives of buying the health insurance for diabetic patients in India.

    First Know the Types of Diabetes

    Before you choose the health insurance plan, you must be aware in regards to the types of diabetes. Diabetes can be categorized into the following types:

    • Type 1: This is the severe form of diabetes wherein the patient is dependent upon insulin because the body is unable to produce insulin that can be converted into sugar or glucose for the energy. This is one of the prime reason that Type 1 diabetic patient required insulin shots that convert the glucose or sugar into the energy. The body’s immunity system sees producing cells of insulin as foreign and likewise attacks that result in the ability to produce insulin by the pancreas.
    • Type 2: It is another form of common diabetes wherein the cells become resistant to insulin and even when the insulin is produced it is not sufficient for the body. Due to the dysfunctional in the production of the insulin, the glucose remains in the blood and is not converted into energy.
    • Type 3: It is a sort of Alzheimer disease that majorly occurs due to insulin resistance in the brain.
    • Gestational Diabetes: Well, this kind of diabetes is mostly common in women when they are expecting or pregnant. In case the same is not timely cured, then chances are that it might get converted to ‘Type 2’ diabetes.
    You May Like To Read: Buy Corona Raksha Policy Online

    What Options Do I Have?

    Well in case you are a diabetic person or know someone who has diabetes have the following two options to obtain the insurance cover within a health insurance policy in India:

    • Individual Health Insurance Plan: You can easily buy an individual health insurance plan that covers the pre-existing ailments such as diabetes. With the rise in the number of cases of diabetes and the evolution in the health insurance sector, most of the health insurance companies have introduced health plans catering to pre-existing diseases such as diabetic. The only condition is that one has to serve a waiting period of specific years to avail the benefits of pre-existing illness cover.
    • Group Health Insurance Plan: You have the alternative to obtain cover for diabetes through the employer-provided a group health insurance plan as well. Possibly the group health insurance policy might already be providing a cover. However, if not, it is better to choose a health insurance plan that covers diabetes as well. The group health insurance plan will be until you have the job, but diabetes will always be around.
    • Diabetes Specific Plan: Thanks to the development in the health insurance sector, a considerable number of insurers have started offering health insurance specially designed to address diabetes. If you’ve been suffering from this illness, you can consider this pan.

    Understanding the Scope of Coverage

    In India, most likely no coverage is provided for type 1 diabetes; however, type 2 diabetes can be covered within a health insurance plan. In the case of gestational diabetes, it will be covered within the maternity benefit of the health insurance plan.

    It is to be noted that the health insurance premium for a diabetic person will be higher than a regular health insurance premium. It is so because there are high chances of frequent claims and medical supervision. There would be a waiting period of mostly 2 years to 4 years after that you can easily avail the benefits of the health insurance policy. In case you are buying the health plan for the first time, you might have to undergo medical check-up; however, this may vary from plan to plan and insurer to insurer.

    You May Like To Read: Star Health Insurance

    Token of Advice!

    Choose the best health insurance policy in India that has the minimum waiting period and helps you to avail the maximum benefits offered within the plan. The group health insurance plans mostly do not have a waiting period.

    Choose the cover amount on the premise of your age, medical condition and the rising expenses of health care. Make sure that the health cover amount is adequate and fulfil your needs and requirements. In case you have a family history of diabetes make sure that you have the right plan in place. And if you do not have diabetes then also buy the plan to avoid rejection laterally because of a diabetic history.

    Before you sign the dotted lines, make sure that you have read the policy schedule so that you are aware and informed in regards to the inclusions and exclusion offered within the health insurance policy in terms of pre-existing illness.

     

    Written By: PolicyBazaar - Updated: 23 July 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL