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Do You Really Need Diabetes Insurance? Read on to Find Out
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- Do You Really Need Diabetes Insurance? Read on to Find Out
Did you know?
- India is called the “diabetes capital of the world”.
- By 2030, as many as 80 million Indians are likely to have diabetes.
- Beating diabetes was the theme for 2016’s World Health Day celebrations.
Given these facts, it’s no rocket science to understand how important the fight against diabetes has become in our daily health needs. With so many people battling this dreadful disease, it is important that we ensure proper insurance cover in order to minimize the health related expenses.
Here are the top 5 reasons why you must go for a diabetes-specific insurance plan:
- In 2015, 1 in 11 people worldwide had diabetes and 12% global health expenditure was incurred on diabetes treatment. The chances of developing diabetes in a middle-income urban economy such as India are very high. Once diagnosed, treatment of diabetes could prove to be expensive. So it makes sense to have specific insurance for the disease, just as you have insurance, especially for cancer and heart disease.
- Diabetes requires prolonged treatment, and can lead to major health complications. Diabetes, like many other modern ailments, has no cure. So, the treatment involves a combination of medication and constant caution relating to diet and exercise. Those suffering from type 2 diabetes are 4 times as more likely to develop heart disease as compared to a healthy individual. Diabetes often leads to complications with kidney, resulting in huge transplantation costs.
- The average age at which the onset of diabetes occurs is 50 to 55 years. Once diabetes is detected, your premium is going to go through the roof. While the risk of diabetes previously increased with age, today even those in the age group of 30-45 are also not exempt. So if diabetes runs in your family and/or you lead a sedentary lifestyle, it is a good idea to invest in diabetes insurance at a young age.
- Most health insurance options do not cover pre-existing disorders, such as diabetes or hypertension. In fact, if diagnosis occurs within a certain time after policy purchase, your claim can be rejected as a pre-existing condition. All complications which occur as a result, may not be covered either! So before you purchase a base health insurance plan, consider your family medical history.
- If you suffer from diabetes, the chances of you’ll require hospitalization at some point are quite high. While regular health insurance does not provide coverage for pre-existing conditions, diabetes-specific plans do exactly that. These plans are more expensive, as the risks involved are much greater. Pre-existing conditions other than diabetes are often excluded, but coverage for diabetes, hypertension, and related complications can be availed from day one!
The options available for those looking for diabetes insurance are limited.Here, we present to you plans offered by 4 leading insurance providers…
|
Name |
Eligible age |
Premium |
Special Features |
|
Energy from Apollo Munich |
Age of entry: 18 to 65, with guaranteed lifelong renewals |
Rs.9962 for Rs.3,00,000, for a 35 year-old male with base plan . Rs.8045 with co-payment |
|
|
ICICI Pru DiabetesCare Active |
Age of entry: 25 to 60 years. Valid for 20 years, or till 65 years of age |
Rs.9804 for Rs.3,00,000, for a 35 year old male with a 20 year policy term. With maximum reduction, premium comes to Rs.8824 |
|
|
Star Health Diabetes Safe Insurance |
Age of entry: 18 to 65, with guaranteed lifelong renewals |
Rs.8910 for Rs.3,00,000, for a 35 year-old male with a base plan |
|
|
Varistha Mediclaim for Senior Citizens |
Age of entry: 60 to 80 years, renewal up to 90 years |
Rs.7768 for Rs.3,00,000, for a 71 year-old male (Rs.1,00,000 for Mediclaim + Rs.2,00,000 for Critical Illness) |
|
Over to You!
Now that you know all diabetes insurance plans, do keep in mind that diabetes-specific plans refers to usually Type 2 diabetes unless pre-specified. So, do well to go through all the terms carefully before buying in order to ensure that your preferred plan is perfectly suited to your individual circumstances.
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Got a question about diabetes insurance? Leave us your question in the comments section below and we’ll be more than happy to answer all your questions.
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*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.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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