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Health Insurance For Diabetes

Health Insurance for Diabetic Patients, High BP & High BMI

Health Insurance for Diabetes, High BP and High BMI protect you and your loved ones against the most common lifestyle diseases and financial crisis.

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    Health Insurance for Diabetes

    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.

    How Care Freedom Helps People with Diabetes, High BP & BMI

    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.

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    Pre-Existing Diseases Cover

    Health Insurance for Diabetes, High BMI and Hypertension

    • Dialysis Cover 
    • Day Care Treatments
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    Health Insurance for Senior Citizens

    Your Parents have always care for you, Now its your TURN

    • No Pre-policy medical check-up
    • *Annual Health check-up for all insured persons
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    1 Crore Health Plan

    Health Insurance with Higher Sum Insured

    • Upto 50% No Claim Bonus
    • Individual or Floater Option

    3 Reasons Why You Need Best Health Insurance Plan for Diabetes

    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-

    • Serious Complications Involved: 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 is a must to undergo a financially-backed treatment.
    • Burdening Medication Costs: Although diabetes is considered a less severe and expensive health problem, its treatment expenses can go as high as Rs 20,000 approx every month. Don't let shooting healthcare costs burn a hole in your pocket when you can arrange for medical funds for these pre-existing illnesses with Care Freedom.
    • Risk of Other Chronic Diseases: Together, obesity, diabetes, and high BP become an invitation for heart stroke, kidney damage, high cholesterol, gallbladder problems, among other life-threatening diseases. Insurance for diabetic patients breaks the vicious chain by providing an affordable means for treatment.

    Features of Care Freedom

    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:

    • Minimum Waiting Period: With Care Freedom, we offer a minimum of 2 years waiting period for treating your pre-existing diseases and named ailments. For any other illnesses, the policy involves only 30 days waiting period right after you purchase the insurance.
    • Cashless Healthcare Facility: At CHIL, you enjoy the advantage of our cashless network of over 21,100+ healthcare providers, wherein you can easily settle your treatment claim without emptying your pockets.
    • No Pre-policy Medical Check-ups: Under Care Freedom, you don't need to undergo any pre-policy check-ups before availing of the insurance benefits. No matter your age or health problems, you can issue the policy without any delays in medical checks.
    • Annual Health Check-ups: Keep track of your health condition with yearly medical check-up tests, including complete blood count, urine routine, ECG, lipid profile, kidney function test, etc.
    • Life-long renewability: Looking forward to continuing your diabetes health insurance plan for a long period? You can quickly renew your policy for lifelong coverage as per the then applicable policy terms.
    • Tax Benefit on Premium: Who doesn't like surprise benefits? With CHIL, every mediclaim policy comes with a minimum tax deduction of INR 25,000 with the maximum benefit up to INR 75,000 as per the policy terms.
    • Freelook Period of 15 days: Do you disagree with any policy term or wish to upgrade the policy benefits? With the freelook facility, you get a 15-day period to check the policy details thoroughly and file an easy return in case of any dispute.

    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.

    Does Health Insurance for Pre-existing Diseases Provide COVID Cover?

    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

     

    Why Opt For Care Freedom

    Benefits of Health Insurance for Diabetics

    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:

    • Covers in-patient care expenses along with Day-care treatments
    • Consumable Allowance per day up to 7 consecutive days of hospitalization
    • Pre and post hospitalization medical expenses
    • Ambulance cover in case of emergency
    • Domiciliary hospitalization (if in case of hospitalization is not possible)
    • Recharge of sum insured if the sum insured gets exhausted due to claims
    • Cover for the pre-existing disease after a 2-year waiting period
    • Dialysis cover
    • Annual Health Check-up

    Along with the above-mentioned benefits, Care diabetes health insurance also comes with some useful add-on benefits, including:

    • COVID Care to cover COVID treatment costs
    • COVID Care with OPD to get reimbursement for COVID treatment and OPD services
    • Care Shield to enjoy the no-claim bonus and inflation cover
    • Health Check+ for upgrading your annual health check-up
    • Home Care for hiring a nurse to take care of the patient

    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.

    Eligibility for Medical Insurance for Diabetics

    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

    • Adult- 18 years
    • Child- 91 days

    Entry Age Minimum - Care Freedom Plan – 2

    • Individual- 46 years
    • Floater- Eldest Insured Person: 46 years
    • Other Adult: 18 years
    • Child: 90 days

    Entry Age- Maximum

    • Adult- Lifelong
    • Child: 24 years

    Exit Age- Lifelong

    What does Diabetes Insurance Plan Cover?

    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:

    • In-patient Hospitalization
      We cover all the expenses for hospitalization when you get admitted for a minimum of 24 consecutive hours. Under the in-patient benefit, we pay for everything from room charges to doctor's fees, and operation theatre charges.
    • Day Care Treatment
      With CHIL, you get medical coverage for over 540 day-care treatments across our network hospitals, so patients can undergo therapies, dialysis, and other disease-specific treatment without a financial crunch.
    • Pre and Post-hospitalization
      Only tests and diagnoses often reveal serious ailments that need further hospitalization. Medical insurance for diabetic and BP patients comes with pre and post-hospitalization coverage to minimize your expenditure on medications, follow-ups, and more.
    • Ambulance cover
      With Care Freedom, you get reimbursement for your expenses on the ambulance service required to take the insured patient to the hospital. This is a valuable benefit appreciated by lots of our customers.
    • Domiciliary hospitalization
      Diabetes, high BP and imbalanced BMI cause worse agony during old age when the patients need at-home care the most. Domiciliary hospitalization covers expenses for at-home treatment of patients from merited hospitals, subject to policy terms.
    • Consumable Allowance
      Apart from treatment costs, consumables like medical equipment, admission kit, housekeeping items, etc., can cumulate to a burdensome amount. We offer all-inclusive health insurance for diabetes in India that reimburses consumable services like transportation, hospital facilities, etc.
    • Automatic Recharge
      You don't need to worry if your claim amount exhausts your health plan's coverage limit. Under Care Freedom, you can rest assured with automatic recharge of base sum insured that other insured members can utilize for future claims.
    • Discounts on Premium
      With Care Freedom, you not only get to choose a long-term medical policy but also get heavy discounts. You can enjoy discounts of up to 10% on multi-year policy terms.
    • Tax Benefit
      Opting for health insurance is undoubtedly a step in the right direction. It comes with a two-fold benefit. It ensures you and your family have access to good medical care along with tax benefits on premium paid towards diabetes health policy.

    Quick Tip: Stop worrying about your loved ones and secure them with our Family Health Insurance

    Why Should You Compare Pre-existing Disease Health Plans Online?

    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-

    • Simplifies Policy Terms: 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.
    • Makes Decision-making Convenient: Digital comparison of pre-existing diseases helps you evaluate and choose the best diabetes and blood pressure health cover from the comfort of your place. Also, at CHIL, we facilitate a digital premium calculator to help you approximate the cost of diabetes health insurance while customizing your plan with members and add-on covers.
    • Helps You Choose the Perfect Cover: Comparing health plans digitally gives you the freedom of choice to relook at the policy details anytime, anywhere. With complete online transparency, CHIL 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.

    FAQs on Diabetes Insurance

    Q. What are Pre-existing Diseases?

    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.

    Q. What is considered a pre-existing condition under a health insurance policy?

    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.

    Q.Do I need to bear co-payment under the Care Freedom policy?

    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.

    Q. How to get Health insurance for Pre-existing Diseases?

    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.

    Q.If I have pre-existing conditions. Can I buy health insurance?

    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.

    Q.What is Care Freedom, and how does it help Diabetic, Hypertension, and High BMI patients?

    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.

    Q.What is the claim procedure for Care freedom?

    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.

    Q.Can I get health insurance if I have diabetes?

    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.

    Q.Why should I buy a diabetes health insurance policy?

    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.

    Q.Can a High BP, diabetic, or hypertension patient can get a health insurance policy in India?

    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.

    Q.How can I buy health insurance for high BP?

    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.

    Q.Does the health insurance policy cover my pre and post-hospitalization expenses?

    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.

    Q.Do I get an ambulance cover as well under a health insurance policy for hypertension?

    Yes, you will get the reimbursement for ambulance charges under your health insurance policy for hypertension.

    Q.Is there any tax benefit for buying Care Freedom?

    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.

    Q.What is the waiting period in the Care Freedom policy for Diabetics?

    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.

    Q.Is pre-health check-up essential to get a diabetes health cover in India?

    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.

    Q.Can I take cashless treatment under the diabetes insurance policy?

    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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