Benefits of Buying Health Insurance For Diabetics

Another important benefit is that Diabetes health insurance allows you to manage the high cost arising out of diabetes treatment & its related illnesses without disturbing your savings. Most of the Diabetes health insurance plans provide coverage for hospitalization costs for Type 1 & Type 2 Diabetes & their related complications.

👉 Most Common Questions While Buying Health Insurance For Diabetics

3 Most Important Things To Know Before Buying Health Insurance For Diabetics

1 – “For People Who Take Insulin”

People who have (Type 1) Diabetes & are taking insulin, can be covered under some of the topmost popular plans mentioned in the ‘Top Health Insurance Plans For Diabetics’ list below.

2 – “For People Who DON’T Take Insulin”

People who have Diabetes but don't take insulin, can be covered under any Health Insurance plan. However, the waiting period would be different for each plan.

3 – “For People Who Have Diabetes For 10+ Years”

People who have Diabetes for more than 10 years, but don't take insulin, need Underwriters' approval to get a health insurance policy.

Top 3 Health Insurance Plans For Diabetics

Based on the three most important things you need to know about diabetes health insurance, here are the top three most popular plans.

1. Star Diabetes Safe Health Insurance

Star Diabetes Safe health insurance plan is created to provide exclusive health coverage to people suffering specifically from diabetes. It's a complete comprehensive diabetes health plan that does not have any waiting period for diabetes & its related complications under this Plan's A variant. Hence, there's no waiting period in the Plan A variant and a waiting period of only 1 year in the Plan B variant.

2. Care Freedom Health Insurance

This plan offers cover to both, the individual & his or her family. It's a type of critical illness plan especially focused on diabetes with a coverage amount that ranges from 3 lakh to 5 lakh.

3. Aditya Birla Activ Health Enhanced

Aditya Birla Activ Health Enhance plan is another great option that provides a complete comprehensive cover to diabetic patients. It is mainly created for individuals with pre-existing ailments & diseases like diabetes & hypertension. The cover amount limit for this plan is up to 2 CR. View Plan Details Below, is the list of more health insurance plans for diabetes patients:

Top 4 Benefits of Health Insurance For Diabetics

• Doctor Charges - Consult the finest doctors because it cover's doctor’s consultation charges.

• Cost of Medicines - Covers cost of diabetes medicines.

• Diagnostic Charges - Covers diagnostic charges so that you can conduct necessary tests.

• No Stress - A diabetes need not worry as all their medical needs are covered.

7 Things To Look For Before Buying Health Insurance For Diabetics

1. A simple & fast claim settlement process

2. Less waiting period so that you can cover for your expenses soon

3. Sufficient cover amount in an affordable premium

4. Huge list of Network hospitals for diabetic treatment

5. Pre & post hospitalization related to diabetes treatment should be covered

6. Lifetime renewal option

7. Free medical check-up annually

What Is Covered in Health Insurance For Diabetics

1. Zero Waiting Period - Get cover from the first day

2. In-patient Hospitalisation - Cover for medications & treatments within network hospitals

3. Pre & Post-Hospitalisation - Diabetes-related medical expenses thirty days before hospitalisation & sixty days after hospitalisation

4. Ambulance Coverage - Ambulance costs are covered

5. Organ Donor Charges - Covers organ transplant costs

6. HbA1C Check-up - Reimbursements for necessary diabetic check-ups

What Is Not Covered in Health Insurance For Diabetics

• Investigative, experimental treatments & pharmacological regimes

• Items for personal convenience & comfort

• A waiting period of two years for diseases such as hydrocele surgery, joint replacement, surgery, hernia, cataract etc.

• External aids or appliances

• Dental treatment

• Pregnancy

• Hospitalisation resulting from war or act of war,

• Hospitalisation resulting from biological or chemical or nuclear attack

• Hospitalisation resulting from any kind of radiation

• Drugs & alcohol abuse

• Weight control treatment

• Cosmetic surgeries

• Congenital diseases

• Pre-existing diseases other than diabetes get covered only after a two year waiting period

• AIDS, HIV or related diseases

How Coverfox Helps You To Buy The Right Health Insurance For Diabetics

1. We show you the best or top diabetic health insurance plans.

2. We also include a details tab with all the necessary plan details to help you choose the right plan as per your requirement.

3. We also mention the important things you need to check before you purchase the plan. For e.g. An important aspect is the waiting period for certain illnesses and what illnesses are not covered, so that you can have absolute clarity.

4. We also attach the plan brochure to the website and you can always contact our advisors who are our insurance experts on the toll free number or by requesting a call back.

5. We also have a chatbox for live support.

How Coverfox Helps You To File a Claim For Diabetes Health Insurance?

1. We have a dedicated claims team which will help you with the overall end to end claims process in terms of claim reimbursement.

2. You can just get in touch with our claims team on help@coverfox.com or call us on our Toll Free number and the team will completely coordinate on your behalf to smoothen the claims process.

3. You can even ask any of your queries to our team experts during the claim procedure.

4. They will also guide you on what documents you need to file the claims.

5. They will help you understand in detail what can be claimed and what cannot to avoid any confusions.

6. Many insurers have a TPA, who takes care of the entire claim settlement process. Coverfox will also undertake the task of coordinating end to end with the insurer and TPA to cause less hassle to you.

Most Common Questions While Buying Health Insurance For Diabetics

Q. Why should I purchase a Diabetes Specific Health Insurance plan?

To get good treatment for diabetes and its related illnesses. The diabetes insurance helps you cover hospitalization costs, doctor charges, diagnostic charges & any recurring treatment costs.

Q. I am diabetic, can I still get health insurance?

Yes. For that you need to buy a health insurance plan that specifically covers diabetes & its related complications.

Q. What is the waiting period for diabetes health insurance Plans?

Usually, there is no waiting period. However, the waiting period is also dependent on your plan type.

Q. How does Coverfox help in claiming for Diabetes health insurance?

For claim reimbursement, Coverfox provides you with a complete team support to ensure that your claim settlement process goes smoothly

Q. What costs are taken care of under both, Type 1 Diabetes & Type 2 Diabetes?

• Doctor’s fees
• Medicine costs
• Diagnostic charges
• Hospitalization expenses