Diabetes health insurance plans are custom-designed to cover the specific needs of individuals dealing with diabetes. These plans help manage the high costs associated with diabetes treatment, including hospitalization expenses for both type 1 and type 2 diabetes.

This guide provides answers to common questions about diabetes health insurance and recommends some of the best plans available in India. Let’s delve into the details!

5 Best Diabetes Health Insurance in India 2023

1. Care Freedom Health Insurance Plan:

Care Freedom Health Insurance Plan provides coverage on an individual and family floater basis with a sum insured ranging from Rs. 3 lakh to Rs. 5 lakh. Here are the key features and benefits:

Features and Benefits:

1. Dialysis Treatment Coverage: The plan covers dialysis treatment with a claim limit of up to Rs. 1000 per sitting for a maximum of 24 months.
2. Health Check-up Facilities for Diabetes: Comprehensive health check-ups for diabetes, including tests such as ESR, Blood Group, Lipid profile, Kidney function test (KFT), Liver function test (LFT), HbA1C, TSH, Hbs Ag, etc.
3. Cardiac Health Check-ups: The plan includes coverage for cardiac health check-ups.
4. Cataract and Knee Replacement Surgery Expenses: Expenses related to cataract and knee replacement surgeries are covered, subject to sub-limits.

2. Navi Health Insurance

Navi Health Insurance is a comprehensive plan tailored to improve the lives of policyholders, especially those dealing with diabetes. It stands out as one of the best health insurance options for diabetes, offering a wide range of benefits.

The plan covers high-cost treatments, provides access to a vast network of top-rated hospitals, and ensures 100% coverage for hospitalization expenses. With premiums starting at Rs. 235 per month and the option for EMI payments, Navi Health Insurance is designed to meet the unique medical and financial needs of each policyholder.

Key Features and Benefits:

• Coverage up to Rs. 1 crore.
• Unlimited online consultations.
• 100% coverage for hospitalization expenses 90 days prior to and 180 days after hospitalization.
• Coverage for medical treatments at home for 3 or more days.
• Organ donor expenses covered.
• Air ambulance coverage up to Rs. 5 lakh.
• Tax benefits under Section 80D of the Income Tax Act, with deductions up to Rs. 25,000 for individuals under 60 and up to Rs. 50,000 for senior citizens.

Exclusions:

• OPD treatment, dental procedures, eyesight correction, treatment of drug or substance abuse, and cosmetic surgeries are not covered

3. Niva Bupa Diabetes Reassure 2.0 Policy:

This health plan comes in three variants: bronze, silver, and platinum, catering to both individuals and families. Key features include:

1. Coverage for Diabetes and Hypertension: The plan covers diabetes and hypertension from day one, focusing on managing these conditions effectively.
2. High Sum Insured Options: Policyholders can choose from high sum insured options, ranging from Rs. 5 lakh to Rs. 1 crore, providing extensive coverage.
3. Unlimited E-Consultations: Access to unlimited e-consultations, offering convenient and accessible healthcare.
4. Personal Accident Benefits: Personal accident benefits are provided, equal to five times the Base Sum Insured, up to a maximum of Rs. 1 crore.
5. Health Check-up Coverage: Health check-up coverage is available from day one, promoting preventive healthcare.
6. Second Medical Opinion: Policyholders can seek a second medical opinion for any condition within one policy year.

4. HDFC Ergo Energy Health:

This health insurance plan for diabetes offers comprehensive coverage for the treatment and management of type 2 diabetes and hypertension. Here are the key features:

1. Age Eligibility: Available for individuals from 18 years up to 65 years.
2. Coverage Period: Covers pre-hospitalisation expenses for 30 days and post-hospitalisation expenses for 60 days.
3. Daycare Treatments: Includes coverage for daycare treatments in a hospital or daycare center.
4. Emergency Ambulance: Covers emergency ambulance expenses up to Rs. 2,000 for each hospitalisation.
5. Organ Donor Expenses: Medical and surgical organ donor expenses are covered.
6. Lifelong Renewability: The plan comes with lifelong renewability.
7. Tax Savings: Policyholders can save up to Rs. 75,000 in taxes.
8. Discounts on Renewals: Offers 25% discounts on renewals based on critical health parameters.

Exclusions:

• Pre-existing conditions, other than diabetes and hypertension, covered after two years.
• Self-inflicted injuries are not covered.
• Claims arising due to wars are not covered.
• Cosmetic surgeries and treatment of obesity are not covered.
• Venereal or sexually transmitted diseases are not covered.

This plan not only addresses medical needs but also focuses on promoting a healthy lifestyle for individuals managing diabetes.

5. Star Health and Allied Diabetes Safe Insurance Plan:

This insurance plan is tailored for individuals aged 18 to 65 with Diabetes Mellitus. Here’s what it offers:

1. Eligibility: For individuals aged 18 to 65 with Diabetes Mellitus.
2. Coverage: Covers hospitalization expenses related to diabetes complications, including room rent, nursing charges, surgeon’s fees, and medicine costs.
3. Personal Accident Cover: Provides 100% personal accident cover.
4. Modern Treatments Covered: Includes coverage for modern treatments like Oral Chemotherapy, Uterine Artery Embolization, HIFU, Robotic Surgeries, Immunotherapy, and more.

Conclusion

For individuals with diabetes, choosing a specialized diabetes insurance plan is often more beneficial than a regular health insurance plan. When searching for the best health insurance for diabetics in India, consider these key points:

1. Specialized Plans: Look for insurance plans specifically designed for diabetes to ensure comprehensive coverage tailored to your needs.
2. Comparison: Compare offerings from different insurers to find the most suitable plan. Assess coverage, premiums, and additional benefits.
3. Comprehensive Assessment: Prioritize a plan that provides comprehensive coverage for diabetes-related expenses, including hospitalization, medications, and modern treatments.

Remember to thoroughly evaluate and compare insurers before making a decision to secure the best coverage for your specific health needs.

Choosing a specialized diabetes insurance plan tailored to your needs is crucial. Evaluate and compare plans from different insurers to find the most suitable and comprehensive coverage for your health condition.