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  • 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
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I haev taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE but i have not used this policy, i have not experienced with claim with this policy. I am holing this policy since from last 2 years. The medical coverage is for 5 lakhs where the premium i pay 7600k.
      Was this review helpful? 1
      , jaipur
      Reviewed on Nov 19, 2018
    • SBI General Health Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      My company has provided the health insurance policy with SBI General. They have given a coverage value of Rs. 5 lakhs. My entire family has been covered in this policy. I had a claim experience twice. I had submitted the documents to my company, they will proceed the claim. I have received the claim amount of Rs. 2 lakhs. Most of the major hospitals has been covered in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2018
    • HDFC Ergo Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my Health insurance with HDFC bank , and from past two years i have been using this insurance, there service is good, like i got this health insurance through my office as they only had created this health insurance for me and i use to pay premium per year, it use to get auto debited from my salary account.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2018
    • Future Generali Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have a health insurance with Future Generali Insurance from long time, i am not aware of the premium amount as it is to get auto debited on yearly bases and I do not have any claim experience but in terms for the features it is a good policy to have. It has been a very good experience with the Future Generali.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 18, 2018
    • Star Health Health Insurance
      "Excellent policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Star. This policy is taken for my family. They have given me a coverage amount of 3.5 lakhs. They have wide range of hospitals in my locality. I pay the premium amount of Rs. 11500. They are giving a cashless treatment facility anyway i had no claim experience with this policy
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2018
    • Oriental Insurance Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Oriental which was provided by company.It is for entire family and policy coverage for per person is 2.5L.There is no claim experience. They have good network of hospital for the cashless facility. They cover all types of minor, major diseases and critical illness.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • ICICI Lombard Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My company has provided me a health insurance policy with ICICI Lombard. Its been 2years now. It covers for entire family and policy coverage is 3L per person. There is no claim experience but I heard the claim process was good. Am not aware of the benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using with the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past one year and i have paid the premium of 24k for this health insurance. They have provided me with the 12lakhs as medical coverage for my complete family.
      Was this review helpful? 2
      , new delhi
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy from the Religare Insurance company. I am paying a premium for a per year. I do not have any claim experience with this policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Necessary policy for all family"
      0.5 4.0/5 "Great!"
      I have no claim experience with Religare health insurance policy. I have purchased the policy 1 month before. They have offered me a coverage value of 5 lakhs. I have taken the policy for my family. I have no idea about the list of hospital. They are providing the cashless facility. I pay the premium of Rs. 11700.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 16, 2018
    • review Health Insurance
      "Health insurance"
      0.5 4.0/5 "Great!"
      I have been holding the health insurance with Bharti AXA. My total family has been covered in this policy. They have given a coverage of 3 lakhs. The preety much hospitals has been covered in my location. My company has provided this policy around 6 months before. Since its a corporate policy, they have provided only to the employees.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Apollo Munich, this policy cover accident claim and there customer support team have explain me about this policy and the premium i pay 25,000-30,000 per year it nominal, i pay through on line, till now there service was good.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health insurance, the premium i use to pay is up to 13,000 a per year its nominal for me, from past 1 year i have been using this insurance there customer service explain me about policy and i use to pay through on line like they use to send me the link i use to pay it.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my health insurance policy with the HDFC ERGO GENERAL INSURANCE and the premium i am paying six hundred and thirty five rupees per month also it gives the coverage up to one crore rupees. It is a corporate policy, i am using from past 10 years but i had no claim experience.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 16, 2018
    • Cigna TTK Health Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have chosen Health insurance with Cigna TTK. They provided me a cashless facility and reimbursement for my doctor bills. I have taken the policy for my entire family. I pay yearly 10K as a premium through ECS. The claim experience is excellent and the reimbursement was immediate. The policy coverage for me is 5L and rest of family members is 3L. They have more network of hospitals but they pay more attention on the medical bills.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a health insurance for my family with Apollo Munich. My experience is good. Due to some reason, I was unable to pay the premium. The policy has been lapsed. I have paid 12K for a year. The payment mode is net banking. The policy coverage was 5L. It was covering almost all diseases, If I use even 5L at one time again they will provide 5L which was very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using HDFC ERGO health insurance for while , I never had any claim experience with the policy. I will have to wait and see how they respond to their claim requests in future, overall service was good it cover accidental policy and they charge nominal premium amount.
      Was this review helpful? 0
      , anantapur
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my health insurance with Star health insurance,there premium they charge is nominal only i use to pay my premium amount on monthly bases and it use to get auto debited with my bank account and they have explain me all policy which is cover in this policy clearly, till now i did not face any issue with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
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