Health Insurance for Diabetes

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.

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    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

    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

    Aditya Birla Activ Health Enhanced Diabetes Plan

    Aditya Birla Activ Health Enhance plan is a comprehensive insurance policy with diabetes cover. It is designed for people with pre-existing diseases like hypertension and diabetes. The sum insured limit is up to Rs 2 Crores. The features and benefits under this policy are given below:

    Feature and Benefits:

    • Aditya Birla Activ Health Enhanced Plan offers critical illness cover for diabetes
    • It offers coverage on both individual and family floater basis
    • The coverage benefits include coverage benefits like medicines, diagnostic tests, doctors’ consultation fees in case of critical illnesses like diabetes, asthma, hypertension, etc.
    • It also includes daycare procedures like cataract, dialysis, chemotherapy, among others

    Care Freedom Health Insurance Plan

    The coverage is provided on both individual and family floater basis. The sum insured in this Care critical illness plan is Rs 3 lakh to Rs 5 lakh. The features and benefits offered under this plan are given below:

    Feature and Benefits:

    • Care Freedom Health Insurance plan offers coverage for dialysis treatment is provided. The claim limit is up to Rs 1000 per sitting for a maximum of 24 months
    • Health check-up facilities for Diabetes are provided including ESR, Blood Group, Lipid profile, Kidney function test ( KFT), Liver function test ( LFT), HbA1C, TSH, Hbs Ag, etc.
    • Cardiac health check-ups are also covered in the Care Freedom health plan
    • Cataract and knee replacement surgery expenses are also payable subjected to the sub-limits

    National Varishtha Mediclaim Policy

    This is a senior citizen health plan that offers coverage to elderly people in the age group of 60-80 years. In this health insurance plan both hospitalization and domiciliary hospitalization expenses are covered. The features and benefits under this policy are given below:

    Feature and Benefits:

    • National Varishtha Mediclaim policy offers coverage for diabetes and hypertension can be availed as an add-on benefit
    • The policy also covers cataract surgeries up to Rs 10,000 and Benign Prostatic hyperplasia up to Rs 20,000
    • Domiciliary hospitalization cover is limited to 20% of the sum insured. However, it is not provided for diabetes treatment
    • The coverage amount can be Rs 1 lakh and Rs 2 lakh under the National Varishtha Mediclaim Policy

    Star Health and Allied Diabetes Safe Insurance Plan

    Any person with the age group of 18years to 65 years who is suffering from Diabetes Mellitus can get covered under this Star Health and Allied Diabetes Safe Insurance Plan. The insurer pays out for room rent, nursing and boarding charges, Anesthetist, Surgeons fees, and the cost of medicines. The features and benefits under this policy are given below:

    Feature and Benefits:

    • The policy covers hospitalization expenses incurred on expenses complications of diabetes
    • 100% personal accident cover is also provided in Star Health and Allied Diabetes Safe Insurance Plan
    • Other than this, modern treatments are also claimable in this policy. This includes Oral Chemotherapy, Uterine artery Embolization and HIFU, Robotic surgeries, immunotherapy, Bronchial thermoplasty, Stem cell therapy i.e. Hematopoietic stem cells for bone marrow transplant for haematological conditions, Intra Vitreal injections, Green laser treatment or holmium laser treatment, Deep Brain Stimulation, and Balloon Sinuplasty

    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 


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