Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/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 health insurance helps you manage the high cost of diabetes treatment and related illnesses. Diabetes medical insurance plans cover hospitalization expenses for Type 1 and Type 2 Diabetes and related complications of diabetes.  

Diabetic patients in India might find it difficult to find an affordable health insurance plan that covers diabetes-related medical costs. Most health insurance plans extend their exclusion to not only diabetes but also to complications arising from it. Though the options are limited for patients who are in search of diabetes health insurance cover, here we have listed all the health insurance plans from different health insurance companies in India that diabetic patients can consider:

Diabetes Health Insurance Plan

Sum Insured (Rs.)

Eligibility Criteria


Star Health & Allied Diabetes Safe Health Insurance Plan

3/4/5/10 lakh

18 years to no limit

View Plan

Apollo Munich Energy Health Insurance

2 lakh to 10 lakh

18 years to no limit

View Plan

National Varishta Mediclaim Insurance Policy

1 lakh -2 lakh

18 years to no limit

View Plan

Aditya Birla Activ Health Enhance Diabetes Plan

6 lakh

60 years to 80 years

Maximum Renewal Age: 90 years

View Plan
Care Freedom Health Insurance Plan 3 lakh and above

Minimum entry age 90 days

No upper age limit

View Plan

How Health Insurance Helps Diabetic Patients?

Health insurance helps in winning the battle against diabetes. Here is how health insurance ensures that you avail the best possible treatment. 

  • Doctor Fees- It will cover the cost of doctor’s fees, so you can consult the best of the doctors without worrying about the consultation fee
  • Diagnostic Fees- It covers the cost of diagnostic fees as covered under a health insurance plan
  • Cost of Medicines- The policyholder no longer needs to worry about the cost of diabetic medicines, as they are covered under the health plan
  • Focus on Recovery- With diabetes health insurance you can focus on your recovery instead of worrying about hospital bills 


  • Q. Why should you buy a Diabetes Health Insurance plan?

    Ans. With a diabetes health insurance policy you can get good treatment for diabetes-related illnesses. The policy helps you meet hospitalization expenses, doctor fees, diagnostic tests, and recurring costs of treatment. You can get coverage for both Type 1 and Type 2 Diabetes and reduce out-of-the-pocket expenses. 

  • Q. What is the Diabetes health insurance claim procedure?

    Ans. The procedure to file diabetes health insurance claims is similar to other health plans. Once you submit your medical bills the insurer reimburses your medical expenses or the hospital bills. And if you are covered under a cashless health plan then the insurer will make the payment directly to the hospital. 

  • Q.  What expenses are covered under Type 1 and Type 2 Diabetes?

    Ans. Health insurance for diabetes covers Type 1 and Type 2 Diabetes expenses incurred on:

    • Doctor’s consultation fees
    • Cost of medicines
    • Diagnostic tests
    • Hospitalization expenses
  • Q. Does Care health insurance provide coverage to Diabetes patients?

    Ans. Yes. Care (Religare) health insurance provides coverage to Diabetes patients under their Care Freedom Plan.

  • Q. Does Star health insurance provide coverage to Diabetes patients?

    Ans. Yes. Star Health & Allied Insurance provides coverage to Diabetes mellitus patients under their Diabetes Safe Health Insurance Plan.

  • Q. I am 60 years old, which diabetes health insurance plan should I buy?

    Ans. If you are between the age group of 60 years and 80 years you can buy the National Varishta Mediclaim Insurance Policy that provides renewal up to 90 years. For more details, you can write to us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Written By: PolicyBazaar - Updated: 15 April 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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