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Health Insurance For Diabetes: Features, Benefits And Overview

by rajdeep
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diabetes health insurance plan

What is Diabetes Health Insurance?

Diabetes health insurance is a viable mediclaim document for diabetics. It helps to tackle the high charges that come with seeking diabetes treatment and related health complications. A diabetes health insurance scheme will cover expenses for hospital stay needed for type 1 and type 2 diabetes and related health issues that a patient undergoes because of diabetes.

Why Do You Need Diabetes Health Insurance Policy?

Some reasons why getting a diabetes health insurance plan might be a good idea is as follows:

  • India has been declared to be the diabetes capital of the world and can become worse in the coming days
  • Due to poor lifestyle habits and long working hours, health is taking a backseat. Today there are over 70 million diabetics in India
  • Diabetes treatment is very expensive and the average cost ranges from Rs. 5000 to Rs.10,000 every month
  • When bought early, a diabetes health insurance plan can help cut down costs related to insurance premiums

Features of Diabetes Health Insurance

  • The minimum waiting period is 12 months and the maximum waiting period is 2 years which can be extended to 4 years
  • The number of tests offered and the relevance of it all including specialists and the nature of services is part of the offerings and the packages
  • Specialists come up with customised dietary programmes, provide counselling on how to deal with several diabetes issues and suggest a sustainable exercise routine
  • With the intention to motivate patients to keep up with the plan, incentives and rewards are provided when health goals are achieved and when the prescribed plan is followed
  • Terms are conditions as stated in every policy document in the world are quite commonplace and completely in tune with your needs, income and standard of living

Benefits of Diabetes Health Insurance Plans

Every health insurance document including a Diabetes mediclaim scheme comes with its share of benefits. These are:

  • Simple process, both offline and online
  • Helps you to beat medical inflation in India
  • You get tax exemption under Section 80D of the Indian Income Tax Act
  • You get cumulative benefits
  • Covers hospitalisation expenses arising out of type 1 and type 2 diabetes
  • Includes outpatient expenses such as medical consultations, diagnostic tests

Inclusions in Diabetes Health Insurance Plan

  • There is a no waiting period
  • You get daycare treatment options
  • You have access to No Claim Bonus (NCB)
  • Organ donor expenses are covered
  • There is coverage for ambulance services
  • Domiciliary hospitalisation
  • Diagnostic test expenses are covered
  • AYUSH (Ayurveda, Unani, Sidha, Homeopathy) treatment is included
  • There is a portability benefit
  • Dialysis treatment is covered

Exclusions in Diabetes Health Insurance plan

  • Self-inflicted injuries are not covered financially
  • Treatment for other pre-existing conditions will not be covered under this plan
  • Cosmetic surgeries are not covered under this plan
  • Prenatal and postnatal expenses not included
  • Health complications arising from Sexually transmitted diseases are not covered

Eligibility for Diabetes Health Insurance Plan

  • Some insurers can make it mandatory to have your health evaluated
  • You need to mention at the outset if you are suffering from any pre-existing conditions
  • There might be a waiting period which can be anything between a few months to a few years


Diabetes is a growing concern in the country and simply relying on your savings may not be enough to help you ride off a wave of expenses. To ensure peace of mind and security with respect to your hard-earned savings, get for yourself diabetes health insurance.

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