With time, the number of diabetic patients in India has increased significantly. According to a survey, there are more than 72 million diabetic patients in India which is why India is known to be the global diabetic capital of the world. Several reasons count for this; including unhealthy eating habits, inactive lifestyle, stress, work pressure, and many more.
Life with diabetes may sound challenging but with discipline, you can ensure that your quality of life doesn’t take a dip. Another important step that you must take in pursuit of a healthy lifestyle with this condition is health insurance. There are, in fact, health insurance policies designed specifically for diabetics and the health risks that they are exposed to.
Key Features of a Diabetes Insurance Plan
When a person is suffering from diabetes, there are chances that he suffers from conditions like hypertension as well. A health insurance plan acts as an umbrella that covers both of these ailments. Therefore, while looking for a health insurance plan that covers diabetes-related health concerns, here are a few benefits and features which you must look for:
- It should have cashless treatment
- Annual health check-ups
- Automatic recharge of sum insured
- Life-long renewability
- Tax benefit on premium paid
Importance of Having Health Insurance for a Diabetes Patient
Having a good health insurance policy becomes all the more important when you are tackling a condition like diabetes. Here is why it is important: -
1. Cashless Treatment
One of the most important benefits of buying a diabetic health insurance plan is the cashless treatment it provides to the policyholder. During an emergency, you can get admitted to any network hospital to avail cashless treatment. With this feature in place, you can shift your focus from worrying about healthcare expenses to getting better.
2. Covers Day Care Treatment
This is another important aspect of having a diabetes insurance plan. CHIL’s Care Freedom plan comes with this benefit up to the limit of sum insured. What’s more, over 170 day-care treatments are covered under this health insurance plan.
3. Takes care of Pre- and Post-Hospitalization Expenses
This is another benefit that shouldn’t be overlooked. With CHIL’s Care Freedom diabetes insurance plan, you have a policy that takes care of pre- and post-hospitalization expenses that too up to 30 days beyond the policy end date!
4. Other Covers To Look For
This would include the likes of domiciliary hospitalization, dialysis cover (on a per-sitting basis), consumable allowance and ambulance cover if the need arises.
No one asks for living with diabetes but leading a healthy lifestyle is a choice that you must make. Don’t let diabetes cripple your spirits; live well despite of it. CHIL is there with you in this lifelong endeavour of yours.