Health Insurance for Diabetic
India has become a global diabetes capital. Approximately 72 million diabetics reside in India. It means it currently shares around 49% of the world’s diabetes population and is expected to be double by 2025. Inactive lifestyle, unhealthy eating habits, work pressure, and stress are giving rise to diabetes and hypertension. One out of three Indian adults is suffering from hypertension. The cost of hospitalization, treatments, and medication of such chronic diseases are skyrocketing. Therefore, we have designed health insurance for diabetic patients - Care Freedom, our unique insurance cover for diabetes and hypertension patients.
About Diabetics Health Insurance
Life is not about waiting for the storm to pass. It's about learning to dance in the rain. We cannot predict the uncertainties of our lives, but the only thing we can do is to fight back. Diabetics Health Insurance promises you the best healthcare facilities, bears your treatment costs, and partner you in fighting with diabetes and hypertension successfully. We offer comprehensive health coverage to diabetics and hypertension of all ages. You can get this plan without a pre-policy medical check-up. It gives you maximum coverage at an affordable premium and saves you from unnecessary medical debt. So, be positive, be insured, and do not let diabetes stand in the way of enjoying your life.
Features of Diabetes Insurance Plan
Health insurance for the diabetic is a comprehensive health insurance plan for diabetes and hypertension patients. With it, you do not need to worry about your treatment costs. We will be taking care of them while you take care of your health. Read below its key features:
No pre-policy medical check-up
Annual health check-up for all insured members
Automatic recharge of sum insured
Tax benefit on premium paid
A waiting period of 2 years in case of Pre-existing diseases
Freelook period of 15 days
Benefits of Diabetic Health Insurance Plan
Diabetes is a silent killer that not only affects your pancreas but also affects the other parts of the body, such as eyes, kidneys, liver, and heart. Hypertension can give you a stroke. So, it is wise to stay protected with Health Insurance for Diabetic. Read below its benefits:
Adequate sum insured could be enough to meet the hospitalization expenses
Cover for pre-existing disease
Covers the pre and post hospitalization
Cashless treatment with the network hospitals near to your residence
Bear out-patient expenses such as doctor consultation, diagnosis, and medicines
Compensation for the accidental death of the insured person
Provide daycare treatment
Offer free annual health check-up
For buying Diabetic Health Insurance you do not need to get into cumbersome documentation. You just need to provide the following documents:
Proof of Id and address
2 Passport Size Photographs
Pre-existing medical condition reports(if any)
What does Diabetic Health Insurance Plan Cover?
Health insurance for diabetic gives you the liberty to lead a life of your choice and get the best possible treatment for you or your loved ones. Read below what does all it covered:
Cashless Treatment in Network Hospitals:
Under the diabetic health insurance plan, during an emergency, you can admit to any of the network hospitals provided by us nearby to your residence without thinking of arranging cash for your treatment.
If you are hospitalized in a network hospital for more than 24 hours, we cover your hospitalization expenses, including room charges, nursing expenses, ICU, surgeon’s fee, doctor’s fee, blood, oxygen, and OT(operation theatre changers).
Day Care Treatment:
Your medical expenses will be covered under the diabetic health insurance plan if you undergo for daycare treatment in the hospital. We cover more than 170-day care treatments.
Pre and post hospitalization:
We cover your pre and posts hospitalization expenses that include diagnosis, treatment, and medicine expenses, along with doctors’ fees. Treatment costs such as dialysis, daycare treatments, and surgeries are also covered.
You will also get the reimbursement for the expenses that you incur on ambulance service in case of a medical emergency.
If you are not in a condition to shift to the hospital for treatment, or there is no vacant bed in the hospital, then you can avail domiciliary hospitalization. You will get the reimbursement if domiciliary hospitalization is for more than 3 consecutive days.
We will give you a lump sum amount per day called as consumable allowance. So that you can meet your day-to-day expenses that include consumables, commutation, and attendant’s cost.
Recharge of Sum Insured:
You will get an automatic recharge of Sum Insured if your claim amount gets exhausted. You can use this amount for the treatment of any other insured family member or yourself but the treatment of different ailments.
Free Annual Health Check-Ups:
You will get free annual health check-ups for all the insured members covered in the same policy. Complete blood sugar, urine routine, blood groups, kidney function, ECG check-ups are all included in the cover.
According to section 80 D under Income Tax Act 1961, the premiums paid for health insurance for self, dependent parents, children, and spouses are exempted from tax. Thus, you can save a good amount of money and enjoy the tax benefit.