Diabetes Health Insurance

Health Insurance for Diabetes

Health insurance for debates means that type of insurance policy that provides coverage to the diabetic’s patients. Diabetes Health insurance policy covers both the hospitalisation whether a patient is admitted due to diabetes related health issues or admitted for any other health issues means a (non-diabetic) problem. Diabetes is usually considered as a pre-existing disease in the health insurance policy and insurance company apply a waiting period of 4 years for covering diabetes in health insurance. Some health insurance company have special plans for covering diabetes. This insurance plan includes any medical emergency faced which arises due to diabetes. Diabetes health insurance plan makes sure that provides proper medical treatment to an insured person without worrying at the time of finical emergency. Diabetes health insurance plan is the best key to full fills the heavy hospital bills at the time of hospitalisation. Diabetes insurance policy helps in financial emergencies. So, it is a sensible decision to buy a diabetes specific plan from an insurance company which is a way more comprehensive than the other health plans and also covers various complexities.

Diabetes Health Insurance Plan Covers

Room Expenses at the time of hospitalization
ICU Expenses at the time of hospitalization
No waiting period for diabetes
Pre-hospitalization Expenses
Post-hospitalization Expenses
Restore Benefit
Day care treatment
Ambulance Charges
In-patient Hospitalization
Tax Rebate

Features of Diabetes Health Insurance

Diabetes health insurance provides covers with all medical expenses related to debates and non-related diabetes issues at the time of hospitalization based on the premium paid.
This policy covers Day care treatment
Offers tax benefits under section 80D of the Income Tax act.
Financial protection for medical expenses like surgery costs, doctors’ consultation charges, emergency ambulance charges, laboratory tests, etc.
Financial protection for room and ICU expenses at the time of hospitalisation
Pre and post hospitalization expenses are covered under this insurance policy.
Accidental cover from the first day of the policy
This insurance policy provides restore benefits

Benefits of Diabetes Health Insurance

Room rent – Room expenses at the time of hospitalisation. There is no capping on room rent you single a/c room.
ICU Expenses – Actual charges without capping at the time of hospitalisation
No waiting period for diabetes – There is no waiting period of diabetes.
Pre-hospitalization Expenses – Expenses before hospitalisation are covered
Post-hospitalization Expenses – Expenses after hospitalisation are covered
Restore Benefit – Ones the sum insured is exhausted it restore automatically

Compare Family Floater Health Insurance and Diabetes Health Insurance

Features	Family Floater Health Insurance	Diabetes Health Insurance
Entry Age	18 years to 65 years	18 years to 65 years
Room Rent	Actual	Actual
ICU Charges	Actual	Actual
Day Care	All day care	All day care
Co-Pay for Entry 60yr+	20%	No Co-pay
Accidental Death	25% up to sum insured	Death Cover Up to SI
Restoration	300%	100%*
Waiting Period for Diabetes	48 Months	No Waiting Period

*Above compression is based on star family health Optima & star diabetes safe insurance policy

Compare Individual Health Insurance and Diabetes Health Insurance

Features	Individual Health Insurance	Diabetes Health Insurance
Entry Age	18 years to 65 years	18 years to 65 years
Room Rent	Actual	Actual
ICU Charges	Actual	Actual
Day Care	405 day care	All day care
Co-Pay for Entry 60yr+	10%	No Co-pay
Accidental	Death Cover Up to SI	Death Cover Up to SI
Restoration	100%	100%*
Waiting Period for Diabetes	48 Months	No Waiting Period

*Above compression is based on star comprehensive health policy & star diabetes safe insurance policy

Compare Senior Citizen Health Insurance and Diabetes Health Insurance

Features	Individual Health Insurance	Diabetes Health Insurance
Entry Age	60 years to 75 years	18 years to 65 years
Room Rent	1% * of sum insured	Actual
ICU Charges	2% * of sum insured	Actual
Day Care	All day care	All day care
Co-Pay for Entry 60yr+	50%	No Co-pay
Accidental	No	Death Cover Up to SI
Restoration	No	100%*
Waiting Period for Diabetes	48 Months	No Waiting Period

* Restoration Benefit in star diabetes safe insurance policy is 100% only for individual.

Above compression is based on star senior citizen red carpet & star diabetes safe insurance policy

Best Health Insurance Plans for Diabetic Patients

Topics	Star Health Diabetes Safe	National Parivar Mediclaim Plus	Apollo Munich Energy Health Insurance Plan Gold: Includes wellness test cost. Silver excludes the cost
Eligibility	Any person who is diagnosed with Diabetes Mellitus Type II	Any person aged between 60 and 80 years	Type 2 Diabetics
Entry-Exit Age	18-65 years	60-80 years	18-65 years
Sum Assured	Rs. 3 Lakh to Rs. 10 Lakh	Rs. 6 Lakh to Rs. 50 Lakh	Ranges from 2 Lakh to 10 Lakh
Premium starts from	Rs. 6,825	NA	Rs 13,853 for Silver Plan and Rs 18,559 for Gold Plan (For Sum Insured of Rs 5 Lakh)
Coverage	Coverage for all hospitalization resulting from Diabetes.	Diabetes even if pre-existing is covered right from the inception of the policy (at a 10% additional premium).	Coverage for all hospitalization resulting from Diabetes.

* Restoration Benefit in star diabetes safe insurance policy is 100% only for individual.

Above compression is based on star senior citizen red carpet & star diabetes safe insurance policy