Diabetes is an old condition that affects millions of people across the country. In this situation, the human body is efficiently unable to metabolize sugars and starch, causing harmful effects on the body. Diabetes can be classified into two categories: diabetes type 1 and diabetes type 2. In this topic we will look into things to be consider before choosing a diabetes health insurance plan in detail.
People with type 1 diabetes cannot make insulin in their body. Their immune system destroys pancreatic cells that produce insulin. Type 1 diabetes can develop at any age but is often found in children and young adults. To live, individuals with type 1 diabetes need to take insulin every day.
On the other hand, people with type 2 diabetes are unable to produce enough insulin. Type 2 can affect anyone including diabetic infants, but it is more common in mid -old and older adults.
Both types of diabetes management have their own set of challenges, spending too much on drugs and daily monitoring of blood sugar levels from doctor’s journey to daily monitoring of blood sugar levels. Diabetes health insurance is a way to ensure that you have access to adequate health facilities. But how do you choose the right health insurance for diabetes? The following detailed observation will guide you through primary factors to make informed decisions.
What is a Diabetes Health Insurance Plan?
Diabetes insurance is a policy that includes type 1 and type 2 diabetes as well as hospitalized, personal accidents and out-rage expenses. Having a diabetes insurance plan helps the policyholder or its immediate family members manage the expenses related to old diabetes care.
Why is a Diabetes Health Insurance Plan Important?
Diabetes life insurance is a must for many reasons:
Financial Security
Diabetic care includes a doctor’s visit, insulin and regular expenses. Medclam insurance policy reduces these expenses and provides financial security.
Access for Good Care
With diabetes health insurance you can find a network of doctors and hospitals, so you get good care and treatment.
Peace of Mind
Coverage for your medical needs gives you peace of mind. You can focus on your health without worrying about money.
Tax Benefits
Premiums paid towards diabetes health insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act, so you get financial relief.
Key Factors for Choosing a Diabetes Health Insurance Plan
There are many diabetes health insurance plans available but not all will suit you. So here are some things to consider while choosing the right one:
Hospitalisation Expenses for Diabetic Complications
Hands down this is the most important thing to look for in a diabetic health plan. Diabetes is a chronic condition and can lead to severe complications. Make sure to choose a diabetes insurance policy that covers standard room rent, surgeon/consultant fees, blood and oxygen cost, INC charges, medicine, emergency ambulance charges etc.
Healthcare Expenses for Non-diabetic Issues
Health complications arise not only from diabetes. Thus, get a health plan that also bears the non-diabetic medical expenses, be it accidental or any other health conditions.
Pre- and Post-Hospitalization Coverage
Healthcare costs can be incurred from the moment you get admitted to a hospital. Various health plans come with pre- and post-hospitalisation facilities, covering you from diagnosis to recovery.
Modern Treatment Coverage
Chronic diabetes can result in various health complications. In such cases, modern treatment methodologies such as Balloon Sinuplasty, Intravitreal injections, and Robotic Surgeries can be of great help. However, the surgical cost can be immensely expensive. A health plan covering these treatments can be incredibly useful.
Special Consideration
Diabetes often leads to detrimental effects on kidneys, eyes and limbs. This is why getting a health policy with such special considerations is a smart choice. Certain diabetes insurance plans cover the expenses of kidney transplantation, cataract treatment and artificial limbs up to 10% of the sum insured. Also, be sure to include dialysis expenses including AV fistula and graft creation changes in your policy.
Reputed insurance provider, Star Health, offers coverage for dialysis charges for 24 consecutive months if the insured individual is diagnosed with Chronic Kidney Diseases.
Wide Network Hospitals
Settle for a diabetes health plan that comes with a wide base of network hospitals to get access to cashless quality treatment. Star Health has over 14000 network hospitals nationwide where you can receive immediate medical treatment at the time of need.
Diabetes Wellness Program
Diabetes wellness programs can help stay healthy and fit for a long time. Choose health insurance for type 1 diabetes in India from the most reliable providers like Star Health to be a part of their exclusive wellness programs and earn exciting rewards for staying healthy. You can also redeem these rewards to avail discounts at the time of policy renewal.
Diagnostic Centres
Thinking about testing your fasting or PP levels? Then, simply opt for diabetes life insurance. Yes, you read it right. By picking the right plan, you can get access to more than 1600 diagnostic centres across India with a home pick-up facility. Checking your vitals has never been this easy.
Which is the Best Term Insurance Plan for Diabetes?
As per recent reports, the World Health Organization aims to halt the rise of global diabetic cases by 2025. Be a part of this wellness initiative. Do not let diabetes take over your life, always stay one step ahead with India’s trustworthy health insurance provider Star Health.
Our plan plays the role of both type 2 and type 1 diabetes health insurance. Our Diabetes Safe Insurance Policy comes with:
- The hassle-free claim settlement process
- Free-look period
- Lifelong renewability
- Zero waiting period for Plan A health plan
- Half-yearly premium payment facility and so much more.
Conclusion
To sum up, choosing the right diabetes health insurance is the first step for managing the costs and complexities of diabetic care. By considering the above-mentioned factors, you can find a plan that meets your needs. You can also look into advantages of health insurance for additional reference.
The Diabetes Safe Insurance Policy from Star Health will help you stay on top of your diabetes management. It gives you access to the resources for maintaining a healthy and active life. Call 044 6900 6900 and get tailored advice from our experts to make the best choice for you and your health.