Let us help you find
a Perfect Plan
Health Insurance for Diabetes, High BP and High BMI protect you and your loved ones against the most common lifestyle diseases and provides you with the financial freedom to pay your medical bills for treatment and medication.
GET QUOTE IN 1 MIN
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.
ANNUAL HEALTH CHECK-UP
PRE & POST HOSPITALIZATION EXPENSES
DAY CARE TREATMENTS
RECHARGE OF SUM INSURED
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:
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.
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.
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!
Health Insurance for Diabetes, High BMI and Hypertension
Your Parents have always care for you, Now its your TURN
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 22900+ 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.
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:
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.
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:
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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:
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:
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 Pan – 1
Entry Age Minimum - Care Freedom Plan – 2
Entry Age- Maximum
Exit Age- Lifelong
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.
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 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 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.
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.
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-
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, CHIL offers the best health insurance for diabetes in India, with a vast network of over 22900+ 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.
**Number of Claims Settled as of 31st May 2023
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of 30th June 2023.
GET FREE QUOTE