Here are some special health insurance plans for diabetics
Deepak Yohannan of myinsuranceclub.com elaborates on some of the good health insurance schemes for diabetics.
September 25, 2013 / 16:05 IST
Deepak Yohannan
myinsuranceclub.com
Until even a few years back, people suffering from health conditions such a hypertension and diabetes found it difficult to purchase health plans. However, things have changed drastically over the last few years and now there are a lot of provisions for people with conditions such as diabetes to get covered as well. Insurance is a tool that not only protects us from unforeseen troubles; it also gives us a lot of peace of mind. Thus, no one should be derived from the privileges of insurance. If you are a diabetic and are looking for a good health insurance plan, take a look at the details of the policies listed below. Also read: Health insurance: Why you should opt for top-up plans1. Diabetes Safe from Star Health InsuranceThe Diabetes Safe plan from Star Health Insurance is one of the best available health plans for diabetics in India. Anyone suffering from type 2 diabetes (Diabetes Mellitus Type II) can opt for this policy. Key features• Coverage for special conditions (arising because of diabetes) in the eyes, kidneys and feet • Hospitalization costs covered at the time of a kidney transplant provided the costs do not exceed the sun assured. Conditions arising due to complications of the surgery also covered • If first transplant fails, cost of a second transplant coveredBenefits• Hospitalization and boarding charges (maximum of Rs.2500 in Class A cities and Rs.1250 in other cities) • Fees of the doctors • Fees of the nurses • All expenses related to the diagnosis of the condition and further conditions • Pharmacy expenses • Policies available with sum assured amounts ranging from Rs.50,000 to Rs.5 lakh (Rs.50,000, Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh and Rs.5 lakh)Medical tests are required before purchasing the policy and these tests have to be done from the clinics specified by the insurer. Anyone between the ages of 26 and 70 is eligible for this policy. The Diabetes Safe plan from Star Health Insurance is a very good health insurance plan for people suffering from diabetes. The claims process is simple and all transactions are done directly as there is no
TPA involved here. 2. Diabetes Care from ICICI PrudentialDiabetes Care from ICICI Prudential Life Insurance is a very good health insurance policy for anyone suffering from type 2 diabetes and also for pre-diabetics. It has some great features and benefits.
Take a look:Key features• Lump sum amount paid out after diagnosis of diabetes • Free medical check-ups (a maximum of 3) and consultations • Premium amounts reduced if diabetes kept in check • Tie-ups with the best clinics and hospitals to help control the diseaseBenefits• Apart from diabetes, 6 other critical illnesses also covered (bypass surgery, cancer, end stage renal failure, heart attack, organ transplant, stroke) • Costs of amputations due to complications arising from diabetes covered • Regular, complimentary tests (HbA1c test, blood pressure and pulse check)The minimum and maximum entry ages are 25 years and 60 years respectively. The claims process is simple as you do not need to produce any bills or charts. You just need to produce a medical certificate to prove the presence of the illness. Overall, the Diabetes Care Plan from ICICI Prudential Life Insurance is an effective insurance plan for people suffering from diabetes. Conclusion: There are some good health plans available for diabetic patients. Consult your insurance agent or compare the policies online and only then purchase a policy that would help you the most. The author is the CEO of MyInsuranceClub.com, an online insurance price & features comparison portal. Discover the latest Business News, Sensex, and Nifty updates. Obtain Personal Finance insights, tax queries, and expert opinions on Moneycontrol or download the Moneycontrol App to stay updated!
