Best Health Insurance Plans for Diabetics in India

For treatments related to diabetes, one can take a health insurance policy. Indian health insurers offer exclusive plans for diabetes such as Star Health Diabetes Safe, ICICI Prudential Diabetes Care, National Insurance Varishta Mediclaim, etc.
Diabetes in India

As a diabetic in India, it can be hard to find good health insurance products that don’t have terms and conditions that totally exploit you. As we all know, health insurance companies today are being run like businesses that will do anything to release themselves from the legal obligation of parting with their money and paying you the insurance benefit that’s due. Diabetes falls under the “high risk” category or is written off as a pre-existing ailment and any medical expenses arising out of the same are not eligible for claims.

Escape from annoying clauses and enjoy the benefits of excellent insurance cover with these health insurance plans for diabetes:

Insurance Company Plan Name Features Link to Plan Details
Star Health Insurance Diabetes Safe
  • Age limit – 18 to 65 years.
  • Applicable for those already living with Diabetes Mellitus or even those at risk for Diabetes Mellitus.
  • Sum assured options from Rs.3 lakh to Rs.10,00,000.
  • Available on individual and floater basis.
  • Covers all complications from diabetes from day 1 of the policy.
  • Pre-hospitalization expenses taken care of for up to 30 days prior to hospitalization.
  • Post-hospitalization expenses taken care of for up to 60 days after discharge from the hospital.
  • Automatic restoration of Basic Sum Insured by 100% (not available for floater policy).
  • Income tax benefits under Section 80D of the Income Tax Act, 1961.
  • Cashless hospitalisation facility wherever possible in network hospitals.
  • Two plans available – Plan A and Plan B.
Check more details
ICICI Prudential Diabetes Care
  • Age limit – 25 to 60 years.
  • Applicable to those suffering from Type 2 Diabetes or Pre-Diabetes.
  • Sum assured options of Rs.3,00,000, Rs.5,00,000 and Rs.10,00,000.
  • Diabetes enhanced benefit rider: 10% of the base sum assured.
  • If you are diagnosed after 1 year of the policy being in force, you will get 100% of the sum assured. If it happens between 6 – 12 months after the policy’s start date, you will receive 50% of the sum assured and if it happens in under 6 months of the policy start date, you will receive all the premiums paid that far.
  • The policy has a fixed 5 year term.
  • The claim is payable only after 28 days of survival after the diagnosis.
  • HbA1c tests, blood pressure tests and pulse rate measuring will have to be done every 4th and 8th month of every year that the policy is in force. ICICI Prudential will sponsor these tests.
  • Reduced premiums if you are able to control and manage your diabetes.
Check more details
Apollo Munich Health Insurance Apollo Munich Energy
  • Applicable to those suffering from Type 2 Diabetes, IFG, ITG and/or Hypertension.
  • Covers hospitalization expenses for periods over 24 hours.
  • Pre-hospitalization expenses covered for 30 days before hospitalization.
  • Post-hospitalization expenses covered or 60 days after discharge.
  • Medical expenses covered for over 144 day care procedures.
  • Medical expenses covered for organ harvesting from donors for organ transplantation.
  • Up to 25% reduction in premiums if you are able to control and manage your diabetes.
Check more details
National Insurance Varishta Mediclaim
  • Specially designed for senior citizens.
  • Applicable to those suffering from Type 2 Diabetes, IFG, ITG and/or Hypertension.
  • Age limit – between 60 – 80 years old.
  • Renewable up to the age of 90.
  • Sum assured is Rs.1,00,000 which can go up to Rs.2,00,000 with critical illness cover (additional).
  • Premiums start from Rs.4,100.
  • Even pre-existing diabetes is covered right from inception at 10% additional premium.
  • No medical check-up required if the insured person was covered under any policy of the National Insurance Company or other Insurance companies for the previous 3 years without any interruption.
  • Claims arising due to Cataract will be covered only up to Rs.10,000.
  • Claims arising out of Benign Prostatic Hyperplasia will be covered only up to Rs.20,000.
  • Domiciliary hospitalization will be covered only up to 20% of the sum insured.
  • Ambulance charges covered up to Rs.1,000.
Check more details
Care Health Insurance Care Freedom
  • Minimum entry age - 18 years for adults, Maximum age - no limit
  • Applicants with type II and type III diabetes can also avail the Care Freedom
  • Sum assured is a maximum of Rs.5 lakhs
  • Individual as well as floater options available for up to 6 members
  • Lifelong renewability is offered on the Care Freedom scheme from Care
  • Day care treatment is also covered across numerous hospitals in the country
  • Ambulance cover is included in the policy
  • Companion benefit of maximum Rs.15,000 is offered to policyholders
Check more details

Diabetes can be an uphill battle for those that suffer from it, and their dependents. Medical expenses for diabetics are far more than those for non-diabetics, and so are the risks involved. It’s a very real struggle in today’s world, but the new health insurance products in the market should ease the pressure a little bit.

Health Insurance Related Pages

It should be kept in mind that while premiums for these types of specific policies are generally higher than those of a regular insurance policy, they can be reduced with a controlled diet and regular exercise, which reduces the danger that diabetes poses to a person’s health. Taking care of your health will actually help you to see visible reductions in your premium costs, and your waistline. You can enable savings and increase your own physical and mental well-being by regularizing an exercise regimen and sticking to it.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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