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Diabetes is one of the common disorders in India that affects millions of people, and pre-existing diseases have a substantial impact on health insurance. Due to the chronic nature of this medical condition, its treatment costs can be expensive, based on the severity and complications. It is essential to secure yourself with diabetes health insurance for financial stability and peace of mind.
What is Health Insurance for Diabetes?
Health insurance for diabetes refers to a special plan tailored for individuals with diabetes or a family history of diabetes. Diabetes Health Insurance ensures that you and your loved ones are well protected. Treating diabetes can be quite high as the treatments can last for years. It often requires continuous medical care, from regular check-ups, and doctor visits to medications and hospitalisations.
If you wish to buy health insurance for diabetic patients, it acts as the best way to get diabetes treated without draining your funds. Diabetes has two types: Type 1 and Type 2. Type 1 also known as insulin-dependent, in this body, does not make insulin, whereas in type 2, your body does not make use of insulin well. Health insurance for diabetes patients allows you to get the best-required treatments without any financial worries.
Types Of Diabetes
1. Type 1 Diabetes: Diabetes affects people of all ages. In Type 1 Diabetes, your body does not produce enough insulin, and it is essential to have a daily dose of insulin injection to maintain your optimal blood sugar levels.
2. Type 2 Diabetes: Type 2 Diabetes arises when your body cannot make good use of the insulin that is produced. Bad lifestyle habitats are associated with type 2 diabetes but are not exclusive to it.
3. Prediabetes: In this, the blood sugar levels of individuals are above normal but not high enough to be categorized as diabetes.
4. Gestational Diabetes: It affects pregnant women. It develops during pregnancy and usually resolves after the baby is born.
Benefits of Health Insurance for Diabetes
Before buying a diabetes health insurance policy you should know the following benefits of it.
• Cashless Hospitalisation: Many diabetes health insurance plans offer cashless hospitalisation, which allows beneficiaries to get the best treatment without making an advance payment. The insurers directly settle the bill with the network hospitals across India.
• Regular Check-Ups: To manage diabetes effectively regular check-ups and blood tests are crucial. Diabetes health insurance enhances regular health check-ups and screenings by providing cover for their costs.
• Tax Benefits: Premiums paid towards Health Insurance for Diabetes are eligible under tax deductions.
• Day-care Treatments: Best health insurance plan for diabetes covers daycare procedures taken in a Hospital /Day care center in less than 24 hours.
• Coverage for Pre-Existing Diabetes: Many insurance companies provide specially designed diabetes health insurance plans that offer coverage for pre-existing diabetes after a waiting period.
• Wellness Advantages: You can get heavy discounts on health checkups, lifestyle coaching, diet consultation, gym memberships, and fitness programs.
• Pre-and Post hospitalization expenses: A health insurance plan for diabetes patients covers room rent, ICU charges, doctor consultations, and more.
• Access to Quality Care: With health insurance for diabetic patients, individuals can access a network of healthcare providers and facilities, confirming they receive quality care without any worries.
• Mental Piece: Knowing that you have the best health insurance plans for diabetes patients can provide peace of mind, allowing you to focus on your treatment rather than worrying about the expenses.
Who Should Consider Health Insurance for Diabetes
• Anyone with a family history of diabetes.
• Individuals diagnosed with Type 1 or type 2.
• Individuals with a sedentary lifestyle.
Also, a health insurance premium calculator adjusts your quote based on the higher risk associated with a pre-existing condition like diabetes, while also allowing you to explore specialized plans that offer comprehensive coverage for its management after a specified waiting period.
What is covered in Health Insurance for Diabetes
A well- structured diabetes health insurance plans cover key elements including hospitalisation expenses, doctor consultations, diagnostic tests, insulin therapy, nurse fees, ambulance charges, and medication costs. Diabetes health insurance plans cover the following things:
Pre-and Post hospitalization expenses
Day care Treatments
Hospitalization expenses
Diagnostic Tests
OPD Charges
Medications
Modern treatments
Ambulance charges
AYUSH treatment
Preventive Care
Dialysis expenses
Cataract surgery
Personal accident cover
Other treatments related to diabetes.
What is not covered in Health Insurance for Diabetes
While diabetes health insurance covers various services, it is also important to know the exclusions. Listed below are the things not covered:
Waiting Period for Specific Conditions
Obesity and weight control Treatments
Maternity and Pregnancy-Related Procedures
Unproven treatments
Cost of external aids and devices
Mental Health and Psychological Disorders
Life support maintenance
Dental Treatments
Cosmetic Procedures
Non- Medical Expenses
Eligibility Criteria
Age Restrictions:
o Older adults: Aged between 18 years to 65 years and age.
o Young individuals: Aged between 90 days and 25 years
Conclusion
Diabetes is a quite common illness among people these days. Diabetes health insurance is not just a financial tool; it is a crucial part of managing diabetes effectively. Health insurance for diabetics is highly beneficial for individuals who have a family history of diabetes. It is advised to go through the policy details, waiting periods, sum insured, and more before finalising a health insurance plan for diabetes patients. In the market, there are manifold options available, but choosing the best health insurance for diabetes patients necessitates evaluation. Besides purchasing a diabetes cover health insurance policy maintaining a healthy lifestyle is always considered an effective preventive measure against diabetes.
(The views, opinions, and claims in this article are solely those of the author’s and do not represent the editorial stance of The Assam Tribune)
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