Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Health Insurance for Diabetes protects you and your family against lifestyle diseases and provides financial freedom to pay your medical bills for diabetes treatment and medication.
Reasons to Choose Care Health Insurance?
Dialysis Cover
Daycare Treatments Covered
No Pre-policy Medical Checkup
Annual Health Checkup
According to a Lancet Study, India has more than 100 million diabetics. The situation is more serious than it seems to be. An imbalanced way of living, worsened by adulterated consumption, is taking a toll on millions of lives yearly. An inactive lifestyle, unhealthy eating habits, work pressure, and stress give rise to diabetes, hypertension & obesity. Without prompt treatment, all these diseases can damage your body's small blood vessels, increasing the risk of strokes. However, their treatment cost can burden you as much as INR 3-5 lakh yearly. Bearing high treatment costs can be overwhelming, but having a financial security net can protect you from financial strains. Diabetes health insurance can be a saviour here.
At Care Health Insurance, we aim to lower the financial loss of people with specific pre-existing ailments. We introduce "Care Freedom"—health insurance for diabetes, hypertension, and high BMI. It provides an annual health check-up for adult members, coverage for non-medical benefits with consumable/companion benefits, premium reduction options, and a reduced PED waiting period. It is also suitable for customers having multiple health issues. Cover Highlights
Cover Highlights
AMBULANCE COVER
DIALYSIS COVER
DOMICILIARY HOSPITALIZATION
DAY CARE TREATMENT
RECHARGE OF SUM INSURED
PRE AND POST HOSPITALIZATION
NO SUB LIMIT
Today, India has the second-highest diabetes population globally. Diabetes can later cause damage to the kidneys, heart, blood vessels, eyes, and nerves. Diabetes interferes with insulin production. Low or no insulin production can result in glucose accumulation in the bloodstream, and the inability to use that insulin effectively causes various health problems. There are three most common types of diabetes:
Those who have Type 1 diabetes cannot produce insulin in their bodies. Their immune system targets and kills the insulin-producing cells in the pancreas. Although it can develop at any age, Type 1 diabetes is typically diagnosed in infants and young people. To stay alive, individuals who have Type 1diabetes must take insulin every day.
It is the most prevalent kind of diabetes. If you have Type 2 diabetes, you may have poor insulin production or usage. Type 2 diabetes can strike anyone at any age, even in infancy. However, those in their middle years and older are most likely to develop this kind of diabetes.
Gestational diabetes develops during pregnancy. But in most cases, it disappears after the baby’s birth. However, if you have gestational diabetes, your risk of getting Type 2 diabetes in the future is higher. Type 2 diabetes can occasionally be detected during pregnancy.
Care Freedom is a comprehensive health insurance plan for senior citizens and individuals with pre-existing medical conditions.
Cashless Healthcare Facility
We offer cashless treatment to insured individuals in a vast network of 21700+ healthcare providers.
No Pre-policy Medical Check-ups
Under Care Freedom, you don't need to do diagnostic tests before availing of the insurance benefits. No matter your age or health problems, you can issue the policy without any delays in medical checks.
Recharge of Sum Insured
Don't worry if the claim amount exceeds the coverage limit of your health policy. The basic sum insured will be automatically recharged under Care Freedom so that you or other insured members can use it for further claims.
Life-long renewability
Looking forward to continuing your diabetes health insurance plan for an extended period? You can quickly renew your policy for lifelong coverage as per the applicable policy terms.
Free Look Period of 15 days
In case you disagree with any policy term or wish to upgrade the policy benefits, then you can avail of the benefits of the free-look facility. The Freelook facility gives you 15 days to check the policy details thoroughly and file an easy return in case of any dispute.
Care Freedom is an absolute protective cover for your finances when caring for a diabetic and high-BP family member. Health insurance for diabetic patients in India is indispensable due to the sedentary lifestyle. It safeguards your savings and shares the burden of hospitalisation in times of contingency.
Diabetes, hypertension, and high BMI directly affect different body parts, such as the pancreas, heart, kidneys, liver, brain, and eyes. That's why we have packed Care Freedom with numerous benefits, making it the best health insurance for diabetic patients.
Apart from treatment costs, consumables like medical equipment, admission kits, housekeeping items, etc., can accumulate to a burdensome amount. We offer all-inclusive health insurance coverage for diabetes in India that reimburses consumable services like transportation, hospital facilities, etc.
With this plan, you can monitor your health with yearly medical check-up tests, including complete blood count, urine routine, ECG, lipid profile, and kidney function test.
Opting for health insurance is undoubtedly a step in the right direction. It has two benefits: It ensures you and your family have access to good medical care and provides tax benefits on premiums paid towards a diabetes health policy. Section 80d of the Income Tax Act allows tax deductions of around Rs 25,000 every fiscal year on health insurance premiums.
Deep brain stimulation, Intravitreal injections, Robotic surgeries, Stereotactic radio surgeries, Bronchial Thermoplasty, Vaporisation of the prostate (Green laser treatment or holmium laser treatment), IONM (Intraoperative Neuro Monitoring) and many more advanced technology treatments are covered.
For most illnesses, the coverage begins 30 days after buying the policy. You’re covered after just a 2-year waiting period for pre-existing diseases or named ailments. The waiting period aims to provide long-term protection for your current medical needs. Discounts on Premium
With Care Freedom, you can choose a long-term medical policy and get heavy discounts. You can enjoy discounts of up to 10% on multi-year policy terms. Along with the benefits mentioned above, Care Health Insurance also comes with some helpful add-on benefits, including
We understand that it costs a fortune if you have a combination of high sugar levels and high blood pressure. Having multiple health issues is overwhelming, not only physically but financially, too. Considering your struggles, we ensure that you don't have to face any problems if you have the best health insurance plan for diabetes in place. We offer long-term care through our lifelong policy renewal facility. Also, the Care Freedom plan covers the following medical and non-medical benefits:
Exclusions are certain conditions that are not covered under the policy. Understanding exclusions helps to avoid surprises and make informed decisions. Below are some exclusions of Care Freedom insurance for diabetes patients:
Please read the policy terms and conditions for further detailed information on exclusions and permanent exclusions.
Quick Tip: Stop worrying about your loved ones and secure them with our Family Health Insurance.
Lifestyle diseases such as diabetes, hypertension, and high BP affect millions of people in India. Timely medical care and proper monitoring are the only way to fight the disease. Therefore, "Care Freedom" is our health insurance product that funds the treatment of such conditions so that you do not need to worry when it comes to meeting the medical expenses for your treatment.
We offer one of the unparalleled health insurance plans for diabetes patients to safeguard them in times of crisis. Our diabetes healthcare plan secures a relaxed future for diabetes, BP, and obesity patients who are covered with under the following eligibility:
Entry Age Minimum - Care Freedom Plan – 1
Entry Age Minimum - Care Freedom Plan – 2
Entry Age- Maximum
Exit Age- Lifelong
Care Freedom health insurance plan is your companion during the unpredictable hard times of life. It helps you through life’s uncertainties and helps you win the financial battle against diabetes, hypertension, and high BMI. It is a comprehensive health insurance plan covering your medical bills for treatment related to or high BMI and BP issues. It gives you maximum coverage at an affordable premium, saving you from financial worries. Care Freedom is a reliable and one of the best health insurance plans for diabetics.
Did you know that people are twice as likely to suffer from high blood pressure as non-diabetic people? Various studies show a striking correlation between obesity, diabetes, and hypertension. That's why you need a complete protective shield to take care of all three ailments before they turn chronic. Besides, below are some undeniable reasons why diabetics' health insurance is an essential investment-
Serious diabetes complications can become a silent killer by pushing patients toward coma or, worse, death. Eating disorders, fatty tissue deposits around body parts, excessive thirst, and frequent urination are early signs that you must treat as early as possible. Hence, medical insurance for diabetes patients is a must to undergo a financially backed treatment.
Although diabetes is considered a less severe and expensive health problem, its treatment expenses can reach around Rs 20,000 every month. The Companion Benefit of Care Freedom provides the insured with a fixed lump sum in case of a single hospitalisation lasting more than 10 days. Importantly, the benefit doesn't reduce the policy Sum Insured.
Together, obesity, diabetes, and hypertension invite heart stroke, kidney damage, high cholesterol, and gallbladder problems, among other life-threatening diseases. Health insurance for a diabetic person breaks the vicious chain by providing affordable treatment.
Quick Tip: You need not fret while you age and become elderly, as we ensure your safety under our Care Senior plan, specially designed for senior citizens.
The health insurance plan comes with add-on benefits discussed below:
Benefit 1: Pays expenses incurred on 68 non-payable items during hospitalisation.
Benefit 2: Increase in policy SI on renewal as per CPI Inflation in the previous policy year.
When buying health coverage for yourself or your entire family, it is essential to carefully review all the benefits and offerings under a given policy. Every family member's health condition may differ, from that of a heart patient to someone who goes through all the benefits and offerings under a given policy. The health condition of every family member may differ, with one being a heart patient to another with weight issues. While comparing health insurance online, you should consider maximum coverage for members with pre-existing diseases.
It is crucial to compare mediclaims based on all the expenses related to pre-existing conditions, especially for obese, diabetic, and high-BP patients. You should carefully compare the coverage for hospitalisation expenses, doctor's consultations, COVID-19 treatment, domiciliary care, daycare treatments, and other allowances for non-medical costs. These minor medical costs for pre-existing ailments snowball into a huge amount yearly.
With Care Freedom, we make your comparison of pre-existing disease health covers easier by offering comprehensive coverage from hospitalisation to consumable allowances for diabetes, hypertension, and high BMI patients. Here's how online comparison of pre-existing disease covers helps you-
At Care Health Insurance, we ensure precise communication of all the policy terms across our website. While studying our medical plans for diabetes and blood pressure treatment, you can find a clear description of covered expenses and benefits to help you understand policy terms easily.
Digital comparison of pre-existing diseases helps you evaluate and choose the best health insurance plans for diabetics and blood pressure health cover from the comfort of your own place. Also, at Care, we facilitate a digital premium calculator to help you approximate the cost of diabetes health insurance while customising your plan with members and add-on covers.
Comparing health plans online lets you review the policy details anytime, anywhere. With complete online transparency, Care equips you with every mediclaim detail from issuance to claim settlement so you can better select the right medical cover for your diabetes and BP treatment.
Managing diabetes, high blood pressure, and obesity demands constant ongoing care and financial planning. Opting for the best health insurance plans can provide the necessary financial support. Understanding coverage specifics and comprehending policy terms and conditions is important to avoid confusion.
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Yes, a high BP, diabetic, or hypertension patient can get health insurance. Care Freedom is specially designed for people with pre-existing diseases such as hypertension & diabetes without a pre-policy medical check-up so that they can afford the best treatment and stay healthy.
Yes, as a standard, people with pre-existing ailments need to bear 20 or 30% of the final claim amount payable. We shall pay the remaining amount up to the sum insured. However, you may opt for a co-payment waiver benefit by paying a slightly higher premium according to policy terms and conditions.
A diabetes health insurance plan is a health cover designed particularly for people suffering from lifestyle diseases such as diabetes, hypertension and high BMI. It provides complete cover for various expenses related to these diseases after the waiting period. The coverage includes in-patient care, daycare treatment, pre-and-post hospitalisation expenses, consumable allowance, ambulance cover, domiciliary hospitalisation, and dialysis procedure.
The procedure for getting a claim for diabetes mediclaim policy is effortless. The insured has to submit a duly-signed claim form and essential documents like hospital bills for reimbursement claims. In case of a cashless claim, we will directly pay your bills to the hospital. Also, the policyholder should inform the insurer as per a specified time for emergency and planned hospitalisation.
If you have been diagnosed with diabetes, High BP, or if you are obese, then buying a health insurance policy for these pre-existing conditions will be helpful. It is essential as the costs of healthcare services in India are getting expensive, especially in private healthcare centres. A health policy will reserve your savings and help you access the best treatment without hassle.
You can easily buy the mediclaim for high BP online. Go to the Care Health Insurance website, click "Care Freedom," and enter your details on the form. You get the quote with a premium amount. You can pay online through our secure payment gateway and get the policy document online.
Care Freedom Plan is one of the comprehensive health insurance for BP and diabetic patients. The waiting period for pre-existing diseases is 24 months.
No, a pre-policy medical check-up is not essential to get the best health insurance for diabetics in India. However, the underwriter may ask to go for a pre-medical policy check-up in some cases.
Yes, Care offers the best health insurance for diabetes in India, with a vast network of over 21600 cashless healthcare providers.
Get the best financial security with Care Health Insurance!
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Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'24
*Premium calculated for an individual (Age 18) for sum insured 3 Lakhs in Zone 2 cities, 10% discount is applicable for a 3-year policy.
^^Number of Cashless Healthcare Providers as of Feb 2025
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