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Are You Diabetic and Yet Uninsured?

By Vikas Chandra Das
21 July 2022, 11:46 AM
are you diabetic and yet uninsured

With the changing lifestyle of people, the number of Indians suffering from lifestyle diseases like diabetes is on the increase. There has been a sharp rise of 163% in the diabetes-related claims of people within the age group of 20-30 years. Today, diabetes is turning into an alarming lifestyle risk among the common people.

Usually, the expenses incurred in the regular course of treatment for a diabetic person would be around INR 3000 to INR 4000 a month. This would include tests, medicines, a customized diet, insulin, etc. Thus, if a diabetic person is hospitalized, the course of treatment is usually higher than usual. This is because diabetes affects other organs, as well. Thus, if you also have diabetes, you would be required to either have a budget for your treatment or insure yourself to deal with the economic impact of diabetes. 

Health Insurance Plan for the Diabetic

So, if you have diabetes and already have a health insurance plan, you are indeed very pro-active. You definitely understand that a health insurance plan for diabetics is highly essential. The top reasons for the need of health insurance by diabetics are:

  1. Health Insurance coverage = quality of healthcare, especially for the diabetic 
    Diabetes can make your health fragile and can lead to other secondary health problems. For ensuring that you receive the necessary treatment, it is imperative to have a diabetes-specific health insurance plan. 
  2. Specific health care plans for the diabetic
    Only a diabetic specific health insurance plan caters to the exact requirements of a person with diabetes. Some of these plans might not always be having waiting periods and can thus, cover pre-existing conditions, i.e. diabetes care.
  3. To keep finances secure
    A general medical insurance plan may not help provide enough or specific coverage for the entire health expenses related to diabetes. So, there might be a situation where you would have to bear the costs out of your pocket. This might deplete your savings, and to avoid this, it is necessary to have a diabetes health insurance plan. 
  4. Overall health
    With a good health insurance plan, it is evident that you would not have any mental stress related to medical bills and expenses; thus, ensuring good overall health for you.

Diabetic Safe Health Insurance Plans

If you have not opted for a diabetic specific health insurance plan, here are some options of diabetic safe health insurance plans available in India that you can opt for.

a. Star Health Diabetic Safe Plan

The Diabetes Safe Policy by Star Health is a unique health care plan which would help in providing coverage against Type I and Type II Diabetes along with the coverage for regular hospitalization, personal accident cover, and outpatient care.

The eligibility conditions of Star Health Diabetes Safe Plan are:

  • This health insurance plan can be available as both individual and family floater health insurance plan
  • The sum insured usually ranges from INR 3 lakhs to INR 10 lakhs
  • This medical insurance plan would cover all expenses related to hospitalization, room rent, diagnostic expenditure, doctor's fees, and costs associated to medicines too
  • This diabetic safe plan would include cover for pre-hospitalization and post-hospitalization expenses for 30 days and 60 days respectively

The most important features of this plan are: 

  • It has zero waiting periods for any complication which is arising due to diabetes
  • The Star health diabetic safe plan would offer cover for diagnostic tests, medical consultations, and prescribed medicines up to a specific limit
  • This health insurance policy also offers the automatic restoration of the basic sum insured and covers other expenses like donor expenses and dialysis expenses

b. HDFC ERGO Health Insurance Energy Plan

The HDFC ERGO Health Insurance Energy Plan is a comprehensive health insurance plan and is most helpful for anyone who is diagnosed with pre-diabetes, hypertension, or Diabetes Type I and Type II. The primary objective of this medical insurance plan is to finance your medical expenses in such cases and also to support you in leading an active lifestyle.

The eligibility conditions of HDFC ERGO Health Insurance Energy Plan are:

  • You must be within the age bracket of 18 years to 65 years to be eligible for purchasing this diabetic safe health insurance plan
  • The sum insured for this medical insurance plan ranges from INR 2 lakhs to INR 50 lakhs
  • This health insurance plan would provide you with the facility of health check-ups at regular intervals

The most important features of this plan are: 

  • There is no waiting period, and you can receive cover for hospitalization expenses from the first day itself
  • If you have no-claim years, then you can avail of the reward of the increased sum insured and also a reward of reduction of up to 25% in the insurance premium
  • There are personalized wellness programs by which health coaches can assist you in the creation of diet and exercise plans

c. Aditya Birla Activ Health Enhanced Plan

The Aditya Birla Active Health Enhanced Plan is a unique health insurance plan with benefits like chronic management programs for lifestyle ailments such as high cholesterol, diabetes, hypertension, etc. This plan is not for diabetes ONLY but caters to other chronic ailments also.

The eligibility conditions of Aditya Birla Activ Health Enhanced Plan are:

  • There is no upper limit on the age at which you can purchase this health insurance plan whereas the minimum age to purchase this plan is 91 days
  • This health enhanced plan helps in providing cover for pre-hospitalization and post-hospitalization expenses for 60 days and 180 days respectively as well as daycare procedures and domiciliary hospitalization
  • The ambulance transfer facility and cover for medical expenses incurred in organ transplant surgeries are an important benefit of this health insurance plan

The most important features of this plan are: 

  • This health insurance program would reward you for staying healthy and choosing healthy life choices. These rewards can be utilized for premium payment or purchase of medicines
  • Cumulative bonus i.e. up to 20% of the sum insured is available for claim-free policy years Even if you make claims in the subsequent years, the bonus would not be claw-backed
  • In case, if you have to stay for a longer period in the hospital, recovery benefit in the form of a lump-sum amount is provided for taking care of expenses such as travel costs, attendant cost, etc.

d. Religare Care Freedom Health Plan

Religare Health Insurance had started this plan for providing exclusive coverage to insulin-dependent diabetic patients. This health insurance plan does not need any pre-policy check-up and would also provide cover if you are suffering from blood pressure, hypertension, and high BMI. 

The eligibility conditions of Religare Care Freedom Health Plan are:

  • The minimum age to purchase this health insurance plan is 28 years and above. There is no maximum age limit for buying this plan
  • It offers a very large range of sum insured from INR 3 lakhs to INR 10 lakhs along with comprehensive health check-ups which would help in monitoring the major parameters related to diabetes
  • This plan would provide cover for pre-existing conditions after a waiting period of 2 years.

The most important features of this plan are: 

  • The Religare Care Freedom Health Plan would help you in providing cover for domiciliary hospitalization, dialysis expenses, and ambulance expenses too
  • You are eligible to enroll in this medical insurance policy even if you are suffering from multiple morbidities and other health complications like lipid and obesity.

However, if you are a senior citizen or looking for a diabetic specific health insurance plan for a senior citizen, then you can opt for a special diabetic care health insurance plan for the senior citizen, which is a one-of-its-kind.

Aditya Birla Capital Activ Care Senior Citizens Health Insurance 

This comprehensive health insurance plan has been started with the intent to provide cover for the overall health of old people. Their requirements are quite different from young diabetic people. Hence, this plan has both inbuilt and optional coverage benefits which make its scope very wide. 

The eligibility conditions of Aditya Birla Capital Activ Care Senior Citizens health insurance plan are:

  • This plan is available in three variants i.e. Standard, Classic, and Premier with the sum insured ranging from INR 3 lakhs to INR 25 lakhs which differ in terms of benefits associated with the same
  • The sum insured can be reloaded in case of being used up due to claims for any unrelated claim in all the 3 variants
  • There is a specific limit on the home treatment cover available and also organ donor expenses which are covered under the Classic and Premier variants of this health insurance plan
  • You can also avail of value-added benefits of health returns, health assessment, and health coach as per the variant

The most important features of this plan are: 

  • This diabetic specific health insurance plan offers OPD consultations, health and wellness discounts for diagnostics and pharmacy within the network
  • Optional care is available for nursing benefits, diabetic specific lifestyle support equipment for the old, cost of portable medical equipment as well as advance health check-up as and when required
  • Health coaching benefits for managing a better lifestyle in order to take care of chronic ailments like hypertension, asthma, diabetes, etc.

Conclusion

Hence, it is quite evident that these types of diabetic safe health insurance plans have a higher premium as compared to that of the general health insurance policies. However, this can be reduced by maintaining a healthy lifestyle, having a proper diet, and exercising regularly. If you are taking care of your health, you will soon see a reduction in your waistline and your health insurance premiums too.

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