Should a diabetic start health insurance even now?


After learning that she was diabetic, Ms. Maya Verma*was unsure if she could purchase a good health insurance plan. She decided to go ahead and buy one, in spite of her health condition. The insurer accepted her application with no hassles and even provided a substantial coverage amount. Maya was able to submit claims and get them successfully settled after the waiting period ended. She realized that nowadays there are more health insurance options for diabetics, and improved preventative services such as wellness programs and annual checkups covered. She is extremely glad that she is aware of her options and has less stress related to health insurance and her health!

Diabetes is a chronic illness that has long term effects on the body. Diabetes can be a difficult battle for those that suffer from it and for their families. It increases the risk of other health issues like stroke and damage to eyes, kidneys, and nerves in the long run. Hence, it is important to manage and treat the condition early.

Medical expenses for diabetics are higher than those for non-diabetics, and so are the risks involved. It’s a very real struggle in today’s world, but the encouraging news is that there are more health insurance plans available now to insure diabetics.  

Advantages of a diabetics getting health insurance on time
A diabetic may have to spend more than Rs 3,000-4,000 a month on an average towards tests, medicines, insulin shots and customized diet. Investing in a good health insurance plan early on will safeguard from these recurring and incremental costs.
Diabetic health insurance plans cover certain financial costs resulting from diabetes-related problems (the specific issues covered depend on the plan). Certain benefits are covered for diagnostic tests( HbA1c blood tests), doctor consultations, dialysis cover and hospitalization resulting from diabetes.

Factors a diabetic should consider while purchasing health insurance
Personal health condition: Individual health needs such as the severity of your diabetes, how often are doctor consultations required and insulin expenses
Incremental medical costs: Cost of medical insurance in the area that you live, and health coverage needed in due course of time
Type of plan for diabetic specific needs: With a wide variety of choices available in health insurance, you can either choose a general health insurance plan or a plan specifically for diabetics. Diabetes specific plans are usually individual plans since they cater to diabetic specific needs and treatment.
Comparatively higher premium: As an applicant with diabetes, you will probably have to pay a higher premium because of your increased risk. If you are a diabetic at the time of purchasing a policy you come under “Pre-Existing Disease (PED)” category in health insurance terms. However, the best move is to be transparent. Hiding any existing health conditions may result in claims getting rejected at a critical time when financial assistance is needed.
Diabetes as PED: Health insurance plans accept and settle claims for pre-existing diseases such as diabetes after the expiry of a waiting period, usually around 2-4 years (varies depending on insurer and plan).

Diabetics should not feel they will be excluded from getting excellent health insurance or not have their requirements fulfilled. It is never too late to ensure that diabetics can purchase good health insurance and have access to quality healthcare.

We invite you to visit for the right information and advice to help you purchase the perfect health insurance plan. We assist people in finding comprehensive coverage depending on individual factors such as prevailing conditions and medical history. SANA.Insure provides unbiased and easy access to compare various health insurance plans in India, tailored to your present and future needs.

Wish you a healthy and happy life!

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