Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹300/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹300/month*
Get ₹5 Lac Health Insurance starts @ ₹300/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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

Health Insurance for Diabetics

Diabetes Insurance Plans in India

It is an irony that, though India is classified as “the diabetes capital of the world”, only a handful of insurers have come forward to specifically address the insurance needs of diabetics. Though insurance companies are quite interested in providing term insurance to diabetics, when it comes to health insurance, not many players out there are willing to provide diabetics with comprehensive coverage for the disease and its complications


The reason is quite obvious, even after taking into account the dreads of diabetes and its complications; there is a high probability that the insured will outlive the policy term. Therefore, taking into account the costs diabetics incur for their treatment and the medications required, insurers are evasive about providing these patients with comprehensive coverage that tackle such costs.

Health Insurer's Offering Plan For Diabetics in India

Diabetes features a number of easy to identify symptoms that include excessive thirst, frequent urination, fatigue, blurry vision and sudden weight loss. In the long term, the body takes longer to heal a wound and becomes more vulnerable to eye, nervous system and kidney damage. Diabetics find it difficult to find an affordable health insurance plan to cover diabetes-related medical costs. Most health insurance plans extend their exclusion to not only diabetes but also to complications arising from it.

Currently, available health covers that include diabetes and related complications do not provide it before a 4-year waiting period, post-diagnosis. Certain policies that do provide diabetes coverage earlier than 4 years have very high premiums. In the case of most health plans, diabetes and hypertension always feature as an exclusion that is not included after 1, 2 or even 4 years.

So what does a diabetic is such a situation? A slow and steady approach to get covered is to buy a health plan and pull through the waiting period. One should look out for plans that offer coverage for diabetes and its complications after a shorter-than-usual waiting period. Another way is to get covered by a group health insurance, provided by your employer. Such a plan covers you against pre-existing conditions including diabetes but it is active only as long as you are an employee with the organization.

Options are limited for patients who are in search of diabetes-related insurance coverage. The following plans, Diabetes Safe from Star Health and Varishtha Mediclaim from National Insurance, were among the first of to be launched in India.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Some Health Insurance Plans for Diabetic Patients in India:

 Plan Name Activ Health Enhance (Diabetes) HDFC Ergo Energy Health Insurance Plan (formerly known as Apollo Munich)Gold: Includes wellness test cost. Silver excludes the cost Religare Care Freedom Diabetes Plan
Eligibility up to 9 members can be covered (6 Adults+3 children) Type 2 Diabetics For insulin dependents
Entry-Exit Age Minimum entry age 90 daysNo upper age limit 18-65 years (Policy term of 1 year no age limit on renewability) 28 years and above
Base Sum Assured Rs. 6 lakhs Ranges from 2 Lakh to 10 Lakh Rs. 3 lakhs
Premium starts from Rs. 2810 monthly Rs 13,853 for Silver Plan and Rs 18,559 for Gold Plan (For Sum Insured of Rs 5 Lakh) Rs. 520 monthly
  • Worldwide Emergency
  • Domestic Evacuation
  • Family Floater Option
Coverage for all hospitalization resulting from Diabetes and Hypertension (no sub-limits for inpatient pre and post-hospital coverage )
  • Domiciliary Hospitalization
  • Ambulance Cover
  • Dialysis Cover

Plan Name Star Health Diabetes Safe National Parivar Mediclaim Plus
Eligibility Any person who is diagnosed with Diabetes Mellitus Type II Any person aged between 60 and 80 years
Entry-Exit Age 18-65 years (Renewals can be made up to 70 years) 60-80 years (Renewed up to the age of 90 years)
Sum Assured Rs. 3 Lakh to Rs. 10 Lakh Rs. 6 Lakh to Rs. 50 Lakh
Coverage Eyes: Diabetic RetinopathyKidneys: Diabetic NephropathyFeet: Diabetic foot ulcer Diabetes even if pre-existing is covered right from the inception of the policy (at a 10% additional premium). It is designed for senior citizens only.


Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. 

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