• Best Health Insurance Plans for Diabetics in India

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    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.50,000 to Rs.5,00,000.
    • 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 hospitalization in over 6,000 network hospitals.
    • No TPA, direct in-house claim settlement.
    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
    Religare 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 Religare Care Freedom health insurance scheme
    • 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 Religare
    • 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.

    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.

    Health Insurance Plans for Diabetics in India Reviews

  • Page 1 of 50 1 2 3 4 5
    • Star Health Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the Star Health Insurance Company. It offer health insurance benefits for the Whole full family, I am paying premium of 6000 per year and do not have any claim experience. The service is good. They have partnered with many hospitals in my area . Based on the features it has been a god experience with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 21, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Royal Sundaram. I am paying the premium for myself . I pay a premium of 2500 per years. I do not have any claim experience with the policy and th premium amount gets auto debited from my account.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • Reliance General Health Insurance
      "Hopeless Service"
      0.5 0.5/5 "Unacceptable"
      They are a joke to the insurance sector. They will never give you any claim and even if you write to them, they will never bother to reply. I took a policy medical from Reliance and trust me during the time of claim they did not pass it when we inquired they did not reply. Thief company
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 21, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the Star Health. I have claimed this policy for 2 lacs. The whole claim process was easy, after discharge. The service was very good. I am really happy about the service of Star Health and it is a recommendable health insurance policy to have.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard . I pay a premium of 5500 per year for this policy. I do not have any claim experience with the policy. They offers 5 lacs coverage for the entire family and the network list of hospitals are also pretty solid with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • Cigna TTK Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance provided by the Employer from the Cigna TTK . I do not have any claim experience , Company is paying the premium. It offers an annually coverage of 2 lacs for me and 1 lac for my wife and 50000 for my children. So far it has been a smooth experience and I'll have to wait and see how they respond to my claim in future.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • HDFC Ergo Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the HDFC ERGO around a year ago. The customer support service and the response is good with the HDFC ergo . This policy covers only one member in my family. I have the medical coverage up to Rs,3,00,000 and I am satisfied having the health insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2018
    • Star Health Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Star health insurance company. Customer service is good one and their response too. Coverage value is fine one too with the Star health insurance company. I have not faced any such claims with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2018
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with MAX BUPA from last 3 years and it is one of the good policy. It is a family coverage where spouse and children are covered. I pay a premium of Rs 18000 for this health insurance. My claim experience was good and they covered 70% of the billed amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I was using health insurance policy with Religare from last 2 years, i am happy with the coverage value of this insurance policy. I am satisfied with the claim experience and it was a cashless treatment. I have a coverage value of Rs 3 lakhs for this insurance policy.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 19, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. Pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 19, 2018
    • New India Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      New India Assurance was the first health insurance provider with the Employer provided health insurance, They've partnered with the many hospitals in Pan India and also offered protection for the entire family. They were also offering cashless treatment facilities. Overall it has been a smooth experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 18, 2018
    • SBI General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with SBI general insurance from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance company. I pay a premium of Rs 50 per month for this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2018
    • Star Health Health Insurance
      "Good to have insurance policy"
      0.5 3.0/5 "Satisfactory"
      Idon't have any experience of claim hence i never get a chance to call their customer care. They used to call me for renewing the policy. I can claim about 3.5 lakhs per annum. If i use 10% or not claim the policy, they wont give additional benefits for the next year. Their is a insured amount by 10%. My premium amount will be same but the claim amount they will increase by 10% next year. Cashless treatment is available in this policy
      Was this review helpful? 0
      , noida
      Reviewed on Jun 18, 2018
    • National Insurance Health Insurance
      "Very late back policy"
      0.5 3.0/5 "Satisfactory"
      My company people have taken health insurance policy to the employees. Once i have claimed the policy for my mother. The service is not good as per experience. They have a separate hospital list, in that they have mentioned cashless facility is available but when i went for those hospital, they said their is no cashless facility for this insurance. They will not response from the National Health insurance. The number will keep on ringing. After that my company asked me to send the bill. But i never done to this company. The claim is very low which is less than 20000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • Religare Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      From past 7months i am using this health insurance. Documents i have done through the on line. The coverage is for 10k. Per annual i pay of rupees 7-8k. Disease coverage is there. Free medical checkup once in a year is also available in my insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 17, 2018
    • New India Health Insurance
      "Chatting with customer at clamp time"
      0.5 0.5/5 "Unacceptable"
      This is a type of fraud company.This does not pass the claim.When they go to the customer to make a claim, it only rotates it, this time of direction can be more than 8 months.thay do not have any response anymore, only you have to call them these times and you have to consider the information.Out of which it does not raise your phone more than half the time. Each time they constantly ask for something new, they never tell you once and after 8 or 9 months of the final, you cancel your claim according to the new rule.They do not deliberately describe the whole processor, either by either losing the customer tired or in the last. I will request all individual personal and special corporate offices to never do any bonding with this type of company.Because the new rules which it says in 8 or 9 months, how will the customer know at first sight, they deliberately conceal the rules so that the customer does not get disturbed and do not claim.
      Was this review helpful? 0
      , neemuch
      Reviewed on Jun 16, 2018
    • National Insurance Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy from the National Insurance. I am paying the premium of 1400 per year. You can claim this policy at any network hospitals in the country. The need to nofity the customers about the partnered hospitals. If they have tie up with the a new hospital they need to send updates to the customers or publish it on their website.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Star Health Health Insurance
      "Average Service"
      0.5 2.0/5 "Expected more"
      I'm using the Star Health insurance policy. I do not have any claim experience yet. I pay a premium of 8000 Per year. They don't send any renewal notifications. Their Service is good. The coverage is 1 lac for whole family per year. They need to improve their notifications and keep the customer posted about important dates.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the health insurance policy from Royal Sundaram for a while. I am paying the premium of 8000, many of my friends recommended Royal Sundaram. I never had any claim experience with the policy. Overall it has been a smooth experience. I'll have to wait and see how they respond to my requirement in future.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
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