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Get your diabetes covered from day 1
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      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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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      ##On ground claim assistance is available in 114 cities

      ~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

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