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.

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.

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.

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

Yes, you are eligible to purchase 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.

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.

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.

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.

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.

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.

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.

Buy Health Insurance for Diabetic Patients in India

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.

Health Insurance for Diabetes

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 & high BMI. Without prompt treatment, obesity, diabetes, and hypertension can damage your body's small blood vessels, 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 yearly. These health barriers often obstruct people from availing themselves of medical plans.

At Care Health Insurance, we aim to lower the financial loss of people with specific pre-existing ailments. We believe your present health status cannot deter you from opting for a health plan to access quality healthcare services at leading network hospitals. We introduce "Care Freedom"- health insurance for diabetes, hypertension, and high BMI. Care Freedom is a unique, sought-after health insurance plan for diabetic people as it provides financial freedom to patients while undergoing expensive treatments and speeds up their recovery.

Cover Highlights

ANNUAL HEALTH CHECK-UP

PRE & POST HOSPITALIZATION EXPENSES

DAY CARE TREATMENTS

AMBULANCE COVER

DIALYSIS COVER

DOMICILIARY HOSPITALIZATION

RECHARGE OF SUM INSURED

Know Diabetes and Its Types

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. Diabetes is a disease caused by a high sugar or glucose level in the blood, which can later cause damage to the kidneys, heart, blood vessels, eyes, and nerves. The pancreas secretes a hormone called insulin which breaks down the glucose from the food we consume and helps it to get into our blood cells to be used as energy. 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:

Type 1 Diabetes

Those who have type 1 diabetes cannot produce insulin in their bodies. Your immune system targets and kills the insulin-producing cells in your 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 1 diabetes must take insulin every day.

Type 2 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. The most prevalent kind of diabetes is type 2.

Gestational Diabetes

Some women experience the onset of gestational diabetes during pregnancy. Just after a baby is born, this form of diabetes typically disappears. 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.

Look for best health plan that suits your need!

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

KNOW MORE

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 these pre-existing diseases.

Cashless Healthcare Facility

At CHIL, you enjoy the advantage of our cashless network of over 21100+ 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.

Recharge of Sum Insured

Don't worry if the claim amount exceeds the coverage limit of your health policy. You can relax knowing that 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

Do you disagree with any policy term or wish to upgrade the policy benefits? With the freelook facility, you get 15 days to check the policy details thoroughly and file an easy return in case of any dispute.

Key Features of high BMI, blood pressure, and diabetes health insurance:

Cashless Healthcare Facility: At CHIL, you enjoy the advantage of our cashless network of over 21100+ 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.
Recharge of Sum Insured: Don't worry if the claim amount exceeds the coverage limit of your health policy. You can relax knowing that 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.
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.

Care Freedom is an absolute protective cover for your finances when caring for a diabetic and high BP family member. Health insurance for diabetes patients is indispensable in the era where lifestyle diseases have become a threat to people. It safeguards your savings and shares the burden of hospitalisation in times of contingencies.

Benefits of Health Insurance for Diabetics

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 that make it the best health insurance for diabetic and high BP patients:

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.

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.

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.

Minimum Waiting Period

With Care Freedom, we offer a minimum of 2 year waiting period for treating your pre-existing diseases and named ailments. For any other illnesses, the policy involves only 30 day waiting period right after you purchase the insurance.

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.

Along with the benefits mentioned above, Care diabetes health insurance also comes with some helpful 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

What does Diabetes Insurance Plan Cover?

We understand that it costs a fortune if you have a combination of high sugar levels and blood pressure. 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.

In-patient Hospitalisation

We cover all the expenses for hospitalisation 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 daycare treatments across our network of hospitals so that patients can undergo therapies, dialysis, and other disease-specific treatment without a financial crunch.

Pre & Post-hospitalisation

Tests and diagnosis reveal serious ailments that need further hospitalisation. Medical insurance for diabetic and BP patients comes with pre and post-hospitalisation coverage to minimise this expenditure.

Ambulance Cover

With the Care Freedom diabetes mediclaim policy, reimburse your expenses on the ambulance service required to take the insured patient to the hospital. This is a useful benefit for our valuable customers.

Domiciliary hospitalisation

Diabetes, high BP, and imbalanced BMI cause worse agony when the patients need at-home care the most. Domiciliary hospitalisation covers expenses for at-home treatment, subject to policy terms.

Automatic Recharge

You don't need to worry if your claim amount exhausts your health plan's coverage limit. With Care Freedom, you get an automatic recharge of the base sum insured that other insured members can utilise for future claims.

PED Cover

You get medical and non-medical coverage for diabetes, high blood pressure, and high BMI conditions after the specified waiting period, subject to policy terms and conditions.

Dialysis Cover

You get dialysis cover up to a specified amount for each sitting, payable for up to 24 months. This benefit would not cover any renal ailment that was identified as a chronic condition before the policy start date.

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.

What is Not Covered in Diabetes Health Insurance Plan

Exclusions are conditions for which an insurance provider denies offering coverage. Certain circumstances are not included in the covered occurrence under the diabetes health insurance plan. Below are some exclusions of Care Freedom insurance for diabetes patients:

The Care Freedom plan covers the following medical and non-medical benefits:

24-month waiting period for certain conditions, such as joint replacement surgery, osteoporosis, gout, arthritis, etc.
Medical costs incurred for any illness within the initial 30 days after the start of the policy period.
Any procedure resulting from or linked to pregnancy, miscarriage, birth, maternity, abortion, or any of these procedure's complications.
Charges associated with the expense of regular dental treatments, dentures, dental implants, and any other dental conditions.
Treatment for any genetic diseases, illnesses, congenital disabilities, or anomalies, as well as any exterior congenital malformations.
Treatment for psychological disorders, stress, or mental illnesses.

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

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

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

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 we can only stand firm with suitable health insurance. Care Freedom helps you win the financial battle against diabetes, hypertension, and high BMI by keeping you stress-free. It is a comprehensive health insurance plan covering your medical bills for your treatment related to any complications from diabetes or high BMI and BP issues. 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.

End your search for the best health insurance for diabetic patients in India with Care Freedom by carefully reading the following policy-related details.

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 patients 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 approximately 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 invite heart stroke, kidney damage, high cholesterol, and gallbladder problems, among other life-threatening diseases. Medical insurance for diabetic patients breaks the vicious chain by providing affordable treatment.

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.

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 hospitalisation expenses, doctor's consultations, COVID-19 treatment, domiciliary care, daycare treatments, and other allowances for non-medical costs. These minor medical costs towards 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, 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 customising your plan with members and add-on covers.
Helps You Choose the Perfect Cover:
Comparing health plans online allows you 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. Can a High BP, diabetic, or hypertension patient get a health insurance policy in India?

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.

Q. Do I need to bear co-payment under the diabetes health insurance plan?

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.

Q.How does a diabetes insurance plan helps in treating Diabetic, Hypertension, and High BMI patients?

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.

Q. What is the claim procedure for a diabetes insurance plan?

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.

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 centres. A health policy will reserve your savings and help you access the best treatment without hassle.

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

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.

Q.What is the waiting period in mediclaim for diabetic patients?

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

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.

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

Yes, CHIL offers the best health insurance for diabetes in India, with a vast network of over 21100+ 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.

Health Insurance for Diabetic Patients, High BP & High BMI

Health Insurance for Diabetes