Health Insurance That Covers Diabetes [Criteria ,Claim, Cover Details]

Diabetes is not a normal illness; it can make blood sugar dangerously high or low. Patients suffering from diabetes are on the rise in recent years. Diabetes is a disease where your blood sugar levels are inactive, low or dangerously high. A hormone called Insulin secreted by the pancreas is responsible for the breakdown of the food we eat into glucose. This glucose is transferred from the bloodstream to our cells which gives them energy. This insulin production is hampered in diabetes. Low or no production at all of the insulin can lead to glucose accumulation in the bloodstream and not being able to use that insulin effectively causes various health issues.

Diabetes can occur because of many reasons, including genetic problems, unhealthy diet, age, and because of many more reasons.

It can’t be treated fully, but it can be managed with the help of a very strict diet. Now, most people who suffer from diabetes think that they can easily manage their condition, but it is not easy at all.

Managing needs a lot of patients, medications, and many more things. Health insurance can help people to be on the safe side, so they can keep their health and fiancé covered.

This article will cover things about some top health insurance which cover diabetes so you can choose the best one for you or your loved ones.

Health Insurance with Diabetes

In recent times, diabetes has emerged as a prevalent chronic disease influenced by various factors like age, genetics, and lifestyle. To safeguard against its potential risks, adopting healthy habits and considering diabetes health insurance plans become crucial investments, protecting both your well-being and financial stability.

Why is health insurance that covers diabetes important?

We all know that diseases often come unannounced. Being prepared for the events that can change our and our family members’ lives is always a beneficial choice.

Family or individual health insurance that covers diabetes helps people with chronic health conditions. If unfortunately, you get diagnosed with diabetes, you will have to spend lakhs of dollars on treatment; it also depends on your condition, and in this situation, health insurance can work.

Diabetes Health Insurance Features:

Diabetes health insurance is a well-known health policy, which helps to secure people who are suffering from diabetes. Diabetes comes from improper insulin and can affect the other things in the body too, like eyesight, heart stroke, and much more.

Diabetes health insurance helps to manage finances when you spend a huge amount of money on your diabetic condition. Insurance helps in managing the hospitalization cost whenever any complication increases in the body because of diabetes. Pre- and post-hospitalization expenses are also covered in the policy.

People can go for a cashless or reimbursement type of claim. According to IDF(International Diabetes Federation), patients of diabetic can increase in India in the future.

Diabetes health insurance not only keeps the person safe side in an emergency but also helps in giving the best hospitalization for better health results.

How you can claim diabetes health insurance:

Diabetes is cant be treated fully and going to stay in a person’s body for the whole life. In health insurance, it’s known as a pre-existing disease.

In most cases, people who are already suffering from diabetes have to wait before claiming health insurance. Most health insurance gives insurance based on pre-existing illnesses with applying some rules.

The best health insurance that covers diabetes

Star health:

Star Health is a well-known insurance company that offers a diabetes-safe plan. People who come in 18 to 65 years are eligible for this plan.

People can choose between two plans. People who are already suffering from diabetes milliliters or people who can suffer from this can apply for this insurance. The sum assured option starts from 3 lakhs to 10,00,000 Rs.

The plan starts covering complications related to diabetes on just one day of the policy. It also gives income tax benefits and tries to offer cashless hospitalization whenever possible.

After 30 days of prior hospitalization, the insurance takes care of pre-hospitalization expenses. Post-hospitalization expenses are also taken care of by insurance companies under some rules.

Read Here : Pinch Method for Diabetes | How To Do It ! | 5 Benefits of Pinch Method

ICIC Prudential:

The plan which ICIC Prudential offers is Diabetes care. People 25 to 60 age can apply for this insurance. People who have type 2 diabetes or pre-diabetes are only eligible for this insurance. The sum assured options are 3,00,000, 5,00,000 Rs, and 10,00,000. If a person gets diabetes after one year of the policy, they get 100 percent of the sum assured.

The policy comes with a fixed term of 5 years. The company will also reduce the premium if you manage and control your diabetes properly. People also get 10% of the sum assured based on diabetes enhanced benefit rider.

Care health insurance:

The Care Freedom Plan is provided by Care Health Insurance. The minimum age to apply for this is 18, and the maximum age limit is not present. People who are suffering from type 2 and 3 diabetes can easily enroll in this insurance.

A maximum of 5 lacks are a sum assured. People who get enrolled in this insurance get lifelong renewability.

Daycare treatment also gets coved by this insurance in many hospitals. An ambulance cover is included. Policyholder can get a 15,000 maximum companion benefit. The insurance covers many other benefits, which can be checked on the official website of the insurance company.

National insurance:

Varishta’s medical insurance plan is specially made for senior citizens. People who come under 60 to 80 age can go for this insurance. Senior citizens who are suffering from type 2, ITG, IFT, or hypertension can apply.

After the age of 90, insurance holders can apply for renewal. 1,0000-2,00,00 is the sum assured.

 The premium of insurance starts from 4,100. People does not need to go for a medical checkup if they have been under the policy of national insurance or any other insurance company for more than three years without interruption.

The change of ambulance covers up to 1,000. You can check more benefits in detail on the official website.

Aditya Birla Capital:

Active health platinum is for individuals and also for the whole family. The minimum entry age for a child is 91 days, and there is no maximum age in the policy. The sum insured under the insurance is 50k to 2 cr. Certain diseases and treatments are covered by the plan.

Read all the details written in a form before enrolling. The network hospital for insurance is available in different cities like Delhi, Mumbai, Chennai, Bengaluru, Pune, and more. The policy includes procedures like chemotherapy, dialysis, and cataract.

Also Check: Treatment of Diabetes: Choose the best Doctors

Benefits Of Health Insurance With Diabetes Cover
There is a wide range of benefits that you can avail against your health insurance with diabetes cover and as a part of your comprehensive health insurance plan. These are:

AYUSH (Ayurveda, Unani, Sidha, Homeopathy) Treatment
No Claim Bonus
Tax Benefits under section 80D
Portability Benefits
In-Patient Treatment
Restore Benefits
Ambulance Cover
High-End Diagnostics Cover
Domiciliary Treatment
Frequent Health Check-Up Benefit

Features Of Health Insurance With Diabetes Cover

Securing a comprehensive health insurance plan with diabetes cover is crucial, catering to both diabetic patients and those at risk. Key features include coverage for pre-existing illnesses with a waiting period, cashless hospitalization, pre, and post-hospitalization expenses, and even coverage for daycare procedures.

Claim Process For Health Insurance With Diabetes Cover

Once the waiting period, as specified on your health insurance plan, inclusive of pre-existing disease like diabetes, has lapsed, you can claim the amount as and when required. There are two ways of claiming health insurance:

1. Cashless Claim Process for Health Insurance

If you get admitted to one of the insurer’s network hospitals, you would be able to opt for cashless claim process. Under this, you need not pay anything out of your pocket as the insurance provider settles the medical bill directly with the hospital. For initiating the process, you just need to follow a simple process. To know about the process in detail, visit here.

2. Reimbursement Claim Process for Health Insurance

You need to opt for this claim process if the insurance provider doesn’t provide the cashless claim facility or the hospital in which you get admitted is not a part of their network hospitals. Under this, you will have to pay the medical bill in the first place and then file the claim with your insurer for the reimbursement of the amount. For knowing about this process in detail, visit here.

Type of health insurance coverage

For people 18–64 years of age, 13.6% of people with diabetes had Medicare coverage compared with 2.7% of those without diabetes (P < 0.0001) . Fewer people with diabetes had private insurance coverage than those without diabetes (P < 0.0001). More people with diabetes were insured by Medicaid/other public coverage compared with people without diabetes (P < 0.0001). The proportion of diabetic individuals with Medicare coverage was not significantly different for those using both insulin and oral medications (24.9%) versus those using insulin alone (17.4%, P = 0.290), but was significantly greater than that for people only taking oral medications (10.3%, P = 0.0008) and for those on no medications (12.4%, P = 0.027). Only a small percentage of diabetic (4.0%) and nondiabetic (2.6%) individuals had coverage through military benefits.

Among people ≥65 years of age, 95% of people had Medicare regardless of diabetes status . Fewer people with diabetes had private insurance (50.6%) compared with people without diabetes (58.6%, P = 0.0001). Medicaid and military benefits were higher for people with diabetes compared with people without diabetes (P = 0.0001 and P = 0.005, respectively

Final Thought:

The top five health insurance plans that we discussed are for different categories of people. If someone is less than 18, they can apply, and if someone is more than 70, they can also apply. Diabetes is a disease that is growing rapidly in the human body, especially among older citizens.

Choosing health insurance is nothing more than protecting yourself and your family from developing a critical diabetic condition in the future.