World Diabetes Day: Find Your Best Health Insurance in India


World Diabetes Day: Find Your Best Health Insurance in India

Way to Wellness with Best Health Insurance

If you have a sweet tooth and love indulging in all sorts of desserts, then you surely need to watch out how your body burns up the excess sugar.

The risk of getting type 2 diabetes - the most common form affecting many people worldwide - is higher especially if you have a family history of the disease. Millions of Indians are already fighting diabetes and its harmful effects on vital organs in the body while incurring huge treatment costs. However, with a health insurance policy, the treatment of diabetes can change from being expensive to affordable.

The worst combination of a hectic lifestyle, poor eating habits and heredity factors has led to rising cases of diabetes in India. As one ages, the risks are even higher. Diabetes-related deaths are also more likely if the disease causes serious complications. Nevertheless, ‘where there is a will, there is a way.’ With timely care, disciplined lifestyle management and the support of the best health insurance in India, you can tackle diabetes with ease and minimum expenditure.

On this World Diabetes Day, we tell you how you can manage the disease with health insurance serving as a crucial financial backup.

The Initial Step in Managing Diabetes

Once you are diagnosed with diabetes, your doctor is likely to recommend you a strict diet plan, exercises, and medicines. Regular monitoring of blood sugar levels through lab tests is also essential. Getting the best health insurance will provide coverage for the expenses for doctor consultations, diagnostic tests, medication, etc.

Usually, if you opt for a general health insurance policy, there is a certain waiting period viz. 4 years for pre-existing diseases before which you cannot make a claim. In some plans, there may be sub-limits or a co-payment feature. Moreover, the premiums are higher depending on the individual’s age. So, it is important to check with your insurer about such features so that there are no hurdles in your diabetes management program.

On the other hand, in certain insurance coverage like the group Mediclaim policy offered by employers, you are covered since day one. The only disadvantage is that such plans are valid only till the time you are employed in the organization.

The average monthly costs for an individual availing treatment for diabetes range between Rs 3,000 to Rs 8,000. A suitable insurance plan works towards minimizing these expenses.

It is important to understand the various insurance plans having different policy terms and eligibility criteria. The policy ‘Care Freedom’ offered by Care Health Insurance has a minimum entry age of 90 days with lifelong renewal. It proves to be advantageous as this plan is designed keeping in mind the needs of pre-existing ailments such as diabetes.

The Stage when Complications Arise

The early phases of diabetes called pre-diabetes are best tackled with diligent monitoring of blood sugar levels along with diet management, exercises, and medicines. If the high sugar levels go unchecked for years, there are chances that the patient transitions from pre-diabetes to type 2 diabetes stage. Uncontrolled, high blood sugar levels in the body lead to complications like kidney damage, vision loss, cardiovascular diseases, stroke, etc. This is when the need for hospitalization arises. Opting for a critical illness insurance cover is one way you could deal with the huge treatment costs. Such insurance policies provide a range of coverage entailing Dialysis Cover, Organ Donor Cover, Ambulance Cover, etc.

Furthermore, many people in India, the elderly in particular, believe in the power of alternative treatment modes like Ayurveda, Homeopathy, Naturopathy, etc. Hence, when opting for health insurance plans for senior citizens with diabetes, it is crucial to check if the insurer is offering coverage for such treatment costs.

Life is precious and diabetic patients need immediate assistance in an emergency. If you are looking to buy the best mediclaim policy in India, opt for a plan that provides a Cashless Mediclaim facility in a range of network hospitals.

The Transition from Illness to Wellness

Dealing with diabetes not only affects a family’s savings but also impacts the quality of life. With dedicated and cost-effective healthcare, diabetes can be managed and controlled so that a person can lead a productive life. Be prepared physically as well as financially by getting a health insurance plan in the form of the best mediclaim policy in India. It is important to take control of your system and nourish it through healthy eating and regular exercise. Understand your body and your financial needs, so that managing diabetes becomes a cakewalk.

Disclaimer: Underwriting of claims for diabetes is subject to policy terms and conditions.

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