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.
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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.
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.
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.
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:
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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:
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.
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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.