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Health Insurance 3600 views December 13, 2019
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.
Table of Contents
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:
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:
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:
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 –
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 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:
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.
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 –
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.