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Health Insurance for Diabetes, High BP and High BMI protect you and your loved ones against the most common lifestyle diseases and financial crisis.
Some of the most common lifestyle conditions—obesity, diabetes, and high blood pressure—are gradually becoming serious health diseases among Indians today. An imbalanced way of living worsened by adulterated consumption is taking a toll on millions of lives every year. An inactive lifestyle, unhealthy eating habits, work pressure, and stress give rise to diabetes, hypertension & high BMI. Today, India is home to almost 77 million diabetic patients, the second-highest diabetes population globally. Nearly 30% of adults in India suffer from hypertension, and health experts are worried about the alarmingly high number of people unaware of their condition.
Without prompt treatment, obesity, diabetes, and hypertension can together damage your body's small blood vessels- thereby increasing the risk of heart strokes. However, the treatment cost of diseases caused by high blood sugar, BP, and BMI can burden you with as much as INR 3 lacs every year. Lack of funds and medications often result in uncontrollable blood sugar levels, causing life-threatening conditions.
At Care Health Insurance, we aim at lowering the financial loss of people with specific pre-existing ailments. We introduce "Care Freedom"- health insurance for diabetes, hypertension, and high BMI. It is a unique health insurance plan that lessens the financial burden of obese and diabetic patients and their families.
Care Freedom is a specially designed plan for individuals coping with medical conditions like obesity, high BP, and diabetes. These health barriers often obstruct people from availing themselves of medical plans. At CHIL, we believe that your present health status cannot deter you from opting for a health plan with financial comfort to access quality healthcare services at leading network hospitals. Care Freedom is a sought-after health insurance plan for diabetic people as it provides financial freedom to patients while undergoing expensive treatments and speeds up their recovery.
Care Freedom helps you win the financial battle against diabetes, hypertension, and high BMI and keep you stress-free. It is a comprehensive health insurance plan covering your medical bills for your treatment related to any complications related to diabetes or high BMI and BP diseases. It gives you maximum coverage at an affordable premium and saves you from unnecessary medical debt. So, be positive, be insured, and do not let these lifestyle diseases stand in the way of enjoying your life. Life is not about waiting for the storm to pass. It's about learning to dance in the rain. We cannot predict our lives' uncertainties, but the only thing we can do is stand firm with suitable health insurance.
End your search for the best health insurance for diabetic patients in India with Care Freedom by carefully reading the following policy-related details.
Look for best health plan that suits your need!
Did you know diabetic people are twice more likely to suffer from high blood pressure than 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 these three ailments before they turn chronic. Besides, below are some undebatable reasons why diabetics health insurance is an essential investment-
Care Freedom features a complete healthcare shield that meets all the medical needs of diabetic and hypertension patients. Whether you face an emergency or require routine consultations, it covers all the standard medical expenses for treating the set of these pre-existing diseases.
Key Features of high BMI, blood pressure, and diabetes health insurance:
Essentially, Care Freedom is an absolute protective cover for your finances when caring for a diabetic and high BP family member. Health Insurance for diabetics is indispensable in the era where lifestyle diseases have become threat to the people. It safeguards your savings and shares the burden of hospitalization in times of contingencies.
The pandemic has compelled us to rethink how we lead our lives. Our priorities have shifted from being a workaholic to taking charge of our well-being. Care Freedom is an initiative to encourage a healthy lifestyle among people who have been neglecting their health and following a sedentary routine.
Yes, people with pre-existing ailments can buy a Care Freedom policy combined with our coronavirus-exclusive insurance covers- COVID and OPD-care. COVID and OPD-care are separate, pocket-size insurance covering COVID-19 treatment expenses, including pre and post-hospitalization, day-care treatment, quarantine expenses, and OPD reimbursement. We offer COVID-19 coverage as an additional plan that can easily be bought with Care Freedom at a slightly increased premium. Below are the benefits of CHIL's two COVID-specific offerings-
COVID Care
Pre-existing ailments, especially hypertension and obesity, can increase one's chances of contracting coronavirus and slow down recovery. COVID care is CHIL's coronavirus-specific insurance that can be clubbed with the Care Freedom policy by paying a slightly higher premium. COVID care includes the following benefits-
Benefits | Details |
---|---|
In-patient Care | Hospitalization expenses for COVID-related treatment over 24 hours or more |
Day Care Treatment | Hospitalization expenses for COVID-related treatment under 24 hours or less |
Reimbursement of Quarantine | Maximum up to 1% of sum insured for as long as 30 days |
Pre and Post-Hospitalization | Expense reimbursement for 30 days prior and 60 days post-hospitalization |
COVID Care with OPD
Like COVID-care, COVID-care with OPD is corona-dedicated insurance that can e used to enhance your Care Freedom plan with COVID treatment costs. Many diabetic and hypertension patients struggle with routine OPD visits during their COVID treatment, blowing up one's savings. Therefore, we offer policyholders a chance to complement their Care Freedom plan with COVID-related OPD insurance benefits, including-
Benefits | Details |
---|---|
Reimbursement of OPD | Expenses for doctor's consultation, diagnosis, and pharmacy under COVID-related treatment |
In-patient Care | Hospitalization expenses for COVID-related treatment over 24 hours or more |
Day Care Treatment | Hospitalization expenses for COVID-related treatment under 24 hours or less |
Reimbursement of Quarantine | Maximum up to 1% of sum insured for as long as 30 days |
Pre and Post-Hospitalization | Expense reimbursement for 30 days prios and 60 days post-hospitalization |
Diabetes, hypertension, and high BMI directly affect different parts of the body, such as the pancreas, heart, kidneys, liver, brain, and eyes. That's why we have packed Care Freedom with numerous benefits that make it the best health insurance for diabetic and high BP patients:
Along with the above-mentioned benefits, Care diabetes health insurance also comes with some useful add-on benefits, including:
Quick Tip: You need not fret while you age and turn elderly as we ensure to keep you safe under our Care Senior plan specially designed for senior citizens.
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 Pan – 1
Entry Age Minimum - Care Freedom Plan – 2
Entry Age- Maximum
Exit Age- Lifelong
Care Freedom- a comprehensive health insurance plan for diabetes, hypertension, and high BP gives you the liberty to lead a life of your choice and get the best possible treatment for you or your loved ones. We understand that it costs a fortune if you have a combination of high sugar levels and blood pressure. Keeping your struggles in consideration, we ensure that you don't have to face any problem if you have the best health insurance plan for diabetes in place.
The Care Freedom plan covers the following medical and non-medical benefits:
Quick Tip: Stop worrying about your loved ones and secure them with our Family Health Insurance
When buying health covers for yourself or your entire family, it is essential to carefully go 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.
Especially for obese, diabetic, and high BP patients, it is crucial to compare mediclaims based on all the expenses related to these pre-existing conditions. You should carefully compare the coverage for hospitalization expenses, doctor's consultation, COVID-19 treatment, domiciliary care, day-care treatments, and other allowances for non-medical costs. These minor medical costs towards pre-existing ailments snowball into a huge amount every year.
With Care Freedom, we make your comparison of pre-existing disease health covers easier by offering comprehensive coverage from hospitalization to consumable allowances for diabetes, BP, and high BMI patients. Here's how online comparison of pre-existing disease covers helps you-
Pre-exisiting diseases are conditions, ailments, injuries, or diseases for which any signs or symptoms leading to an illness or medical condition are presented when the policy is proposed.
Under Care Freedom, diabetes, high blood pressure, and high BMI (Body Mass Index) is considered as pre-existing conditions. We provide medical and non-medical coverage for these conditions after the specified waiting period, subject to policy terms.
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 slighty higher premium according to policy terms and conditions.
One can buy health insurance for pre-existing diseases similar to standard health insurance. However, the patient has to declare the pre-existing conditions, and the policy will be issued based on the tele-underwriting.
Yes, you are eligible to buy a health plan even if you have a pre-existing condition. Depending on the underwriter's decreation, we will pre-define the waiting period you need to complete before raising a claim for your treatment expenses.
Care Freedom is a health cover that has been 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, day-care treatment, pre-and-post hospitalization expenses, consumable allowance, ambulance cover, domiciliary hospitalization, and also dialysis procedure.
The procedure for getting a claim for Care Freedom is effortless. The insured has to submit a duly-signed claim form and essential documents like hospital bills for reimbursement claim. In case of a cashless claim, we will directly pay your bills to the hospital. Also, the policyholder should intimate the insurer as per a specified time for emergency and planned hospitalization.
Yes, if you have diabetes as a pre-existing condition, you are eligible to purchase Care Freedom and secure future treatment funds with quality healthcare providers.
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 centers. Having a health policy will reserve your savings and help you access the best treatment without any hassle.
Yes, a high BP, diabetic, or hypertension patient can get health insurance. CHIL's 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.
You can easily buy the mediclaim for high BP online. Just go to the Care Health Insurance website, click "Care Freedom," and enter your details on the given form. You get the quote with a premium amount. You can make the payment online through our secure payment gateway and get the policy document online.
Yes, the health insurance policy covers your pre and post-hospitalization expenses for high BP. It is valid till 30 days beyond the policy end date.
Yes, you will get the reimbursement for ambulance charges under your health insurance policy for hypertension.
Yes, you can avail of tax benefits under section 80 D of the Income Tax Act 1961. According to the section, the insurance premium paid for self, spouse, dependent parents, or children, is liable for tax exemption.
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 health insurance for diabetic patients in India. However, the underwriter may ask to go for a pre-medical policy check-up in some cases.
Yes, CHIL offers the best health insurance for diabetes in India, with a vast network of over 21,100+ cashless healthcare providers.
Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20.
^^Number of Cashless Healthcare Providers till 31st Dec 2022.
**10% discount is applicable for a 3-year policy.
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