Best Health Insurance Plans for Diabetic Patients

As per the Times of India report, the estimated cost of routine care treatment for a diabetic patient is between INR 35,000 and 75,000 per annum based upon whether the patient is on oral drugs only or on insulin too. As you know, patients with diabetes can suffer from various complications such as – diabetic foot, end-stage renal disease, cardiovascular disease and retinal complications. Read this article and know about the best health insurance plans that help you manage the high cost of diabetes treatment and its related illnesses.

Let’s Discuss the Best Health Insurance Plans for Diabetic Patients

Below are the best health insurance plans for patients affected by diabetes and its complications. These plans come with attractive sum insured options, cover diagnostic tests, medicines and other costs involved in the treatment of diabetes. Let’s check them out below:

Star Health & Allied Diabetes Safe

This health insurance plan offers a sum insured options of INR 3 Lakh, INR 4 Lakh, INR 5 Lakh and INR 10 Lakh. You are eligible to buy this plan if your age is between 18 and 65 years and are suffering from Type I or Type II Diabetes Mellitus. The insurer shall cover the following medical expenses under this policy:

1. Outpatient expenses of Fasting and Postprandial and HbA1C tests up to INR 750 per event up to INR 1,500 per policy period
2. Room (Single Standard A/c room), boarding and nursing charges
3. Surgeon, Consultant or Anesthetist’s fees
4. Cost of Blood, Oxygen, diagnostic expenses and ICU charges
5. Cost of medicines and drugs
6. Emergency Ambulance charges up to INR 2000 per policy period
7. Donor expenses for Kidney transplantation surgery
8. Dialysis expenses up to INR 1,000 per sitting, payable up to 24 months
9. Cost of artificial limbs due to amputation covered up to 10% of the sum insured
10. Modern treatments like Oral Chemotherapy, Uterine artery Embolization and HIFU, Robotic surgeries, immunotherapy, Bronchial thermoplasty, Stem cell therapy i.e. Hematopoietic stem cells for bone marrow transplant for hematological conditions, Intra Vitreal injections, Green laser treatment or holmium laser treatment, Deep Brain Stimulation, and Balloon Sinuplasty
11. Personal Accident
12. Cataract treatment
13. Pre-hospitalization expenses up to 30 days
14. Post-hospitalization expenses up to 60 days, subject up to 7% of the hospitalization expenses or INR 5,000 per hospitalization, whichever is less.
15. All daycare procedures

National Varistha Mediclaim Insurance

The National Varistha Mediclaim Insurance policy provides coverage of INR 1-2 Lakh against medical expenses arising out of diabetes and hypertension if the insured had these complications before taking the plan. For this, you need to pay an additional premium at inception. This is a senior citizen health plan for people of the age group of 60-80 years. In this health insurance plan, you’ll get coverage for both hospitalization and domiciliary hospitalization expenses. You’ll get coverage against the following medical expenses under this policy:

1. Room rent up to 1% of the sum insured per day
2. ICU charges up to 2% of the sum insured per day including nursing care, RMO charges, IV fluids, blood transfusion, injection administration charges
3. Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees up to 25% of the sum insured per illness/injury
4. Cost of Anesthesia, Blood, Oxygen, OT charges, Surgical appliances (any disposable surgical consumables), Medicines, Drugs, Diagnostic material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of pacemaker, artificial limbs, Cost of Stent & Implants
5. Cataract surgeries up to INR 10,000
6. Benign Prostatic hyperplasia up to INR 20,000
7. Domiciliary hospitalization expenses up to 20% of the sum insured

Aditya Birla Activ Health Platinum

Under Aditya Birla Activ Health Platinum Plan, you will get coverage for diabetes and its complications. Aditya Birla Activ Health Platinum comes in two variants –

1. Essential – The sum insured options are as follows – INR 50,000, INR 75,000 and INR 1-10 Lakh. The insurer shall cover the following medical expenses – in-patient hospitalization, pre-and post-hospitalization medical expenses, daycare treatments, road ambulance cover, second e-opinion on critical illness.
2. Enhanced – The sum insured option ranges from INR 2 Lakh to INR 2 Crore. Here, you’ll get coverage against the following – in-patient hospitalization, pre-and post-hospitalization medical expenses, daycare treatments, road ambulance cover, organ donor expenses, reload of the sum insured, worldwide emergency assistance and second e-opinion on critical illness.

Activ Health’s Chronic Management Program (CMP) provides coverage for diabetes from day one. This program covers the expenses of tests, consultation, medicines and hospitalization.

Care Freedom Health Insurance

Care Freedom Health Insurance provides you a sum insured option of INR 3-10 Lakh. This plan is designed for those who are suffering from diabetes. Under this policy, you’ll get coverage against the following medical expenses:

1. Air Ambulance expenses up to INR 2,50,000 per hospitalization, up to INR 5 Lakh per policy period
2. Pre-hospitalization expenses up to 60 days
3. Post-hospitalization expenses up to 90 days
4. Outpatient Medical Consultation up to INR 300 per consultation
5. All Day Care Procedures
6. ICU/Operation Theatre Charges
7. AYUSH Treatment up to INR 15,000-30,000

Care Freedom Health Insurance plan provides coverage for dialysis treatment up to INR1,000 per sitting for a maximum period of 24 months. In this policy, you’ll also get coverage for health check-up facilities for Diabetes such as ESR, Blood Group, Lipid profile, Kidney function test ( KFT), Liver function test ( LFT), HbA1C, TSH, HbsAg, etc.

HDFC Ergo Health Energy

This health insurance plan comes with a sum insured option of INR 2- 50 lakh. Under this plan, you’ll get access to a wellness benefit program that will help you manage your health. Two complete medical check-ups will be administered each policy year under HDFC Ergo Health Energy.

Wellness Test 1: HbA1c, Blood Pressure Monitoring, BMI

Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, high-density lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, GammaGlutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

HDFC Ergo Health Energy Plan provides coverage for Type 1 & 2 Diabetes and Hypertension from day 1. This plan comes in two variants – Silver and Gold plan – and covers –

1. In-patient hospitalization
2. Pre and post hospitalization
3. 182-day care procedures
4. Emergency ambulance
5. Organ donor expenses
6. Shared Accommodation benefit
7. HbA1C Checkup benefit

In the Gold Plan variant, you’ll get a cashless check-up for wellness tests at the insurer’s network centers. For check-up at non-network centers, the insurer will reimburse up to INR 2,000 at the end of the policy year.