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Aditya Birla Health Insurance Co. Limited

Health Insurance Plans For Diabetics

Diabetes is a chronic disease that occurs when the body is unable to metabolize the sugars and starch efficiently. As a result, sugar starts to build up in the blood and reaches high levels of concentration. High blood sugar has detrimental effects on the body. Diabetes is classified into two categories i.e. Diabetes Type 1 and Diabetes Type 2

Type 1 Diabetes occurs when the immune system attacks the pancreas, rendering it unable to produce insulin. On the other hand, Diabetes Type 2 occurs when the pancreas is unable to produce enough insulin to metabolize the sugars consumed. Regardless of the type, it is very important to bring diabetes under control. Or else, it can cause serious medical conditions such as kidney failure, heart disease, blindness and amputation of lower extremities

Diabetes can be controlled through medication, strict diet, and regular exercise. However, due to rising medical costs, diabetes management can be expensive as it entails expensive medication, frequent doctor visits, and sugar monitoring tests. At Aditya Birla Health insurance, we understand the specialized needs of diabetics and introduced dedicated health insurance for diabetics.

It is no secret that management of a chronic disease like diabetes can be an expensive ordeal. To give you a better idea, here’s a list of the costs involved in the treatment of Diabetes

  • Doctor’s fee: - A diabetes patient will need to spend a considerable amount of money as doctor’s fee. In case of specialist doctors, the charges increase significantly.
  • Medicinal costs: - Diabetes drugs are very expensive. Besides drugs, a patient may need to purchase devices such as blood sugar monitors and insulin injections which are quite expensive
  • Hospitalization: - Instances of diabetes patients being hospitalized due to complications is quite common. If hospitalization occurs, the ordeal might prove expensive

Buying health insurance for diabetics is the key to winning the battle against Diabetes. Here’s how diabetes health insurance will ensure that you get the best treatment without any stress.

  • A diabetes health insurance will cover the costs of doctor’s appointment. So you can consult the best doctors without worrying about the consultation fee
  • Expenses towards diagnostic tests are also covered under diabetes health insurance
  • No need to worry about buying expensive diabetes drugs as medicinal costs are covered under medical insurance for diabetics
  • Focus on recovery rather than worrying about hospital bills in the event of hospitalization

Under the Chronic Management Program of Aditya Birla Health Insurance, we understand that management of a chronic disease like diabetes is an enormous burden. Once you buy medical policy for diabetes from us, we will ensure that you don’t have to worry about the financial aspect of managing diabetes. Listed below are the key features and benefits of medical insurance for diabetics:-

  • Covers Doctor’s Consultation: - Consult the best doctors for your treatment
  • Covers Diagnostic Tests: - Get health assessment without additional costs
  • Covers Hospitalization: - No need not worry about the financial burden of hospitalization
  • Covers Cost of Medicines: - Recover faster with the best medicines available in the market
  • Earn Rewards: - Earn back up to 30% of your health insurance premium by maintaining good health
  • Get a Wellness Coach: - Improve your health and lifestyle with personalized guidance from a wellness coach

The minimum age of enrollment under medical insurance for diabetics is 91 days. On the other hand, there is no maximum age of entry. Before, enrolling you will need to undergo a medical check up to determine your current state of health. Children below the age of 25 years can be covered under the family floater health insurance plans as dependents.

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FAQs of Health Insurance Plans For Diabetes

YA medical insurance for diabetics will help you manage the high costs of diabetes treatment easily. A Diabetes health insurance covers doctor’s consultation, diagnostic test expenses, cost of medicines and hospitalization expenses. Since diabetes is a chronic disease these medical expenses keep recurring, which is why it is important to enroll in such plans. At Aditya Birla Health Insurance, we provide health insurance for both types of diabetes i.e. health insurance for type 1 diabetics and health insurance for type 2 diabetics

The claim procedure for diabetes health insurance is the same as other policies. Once you submit the medical bills to the insurance company, the company will reimburse the amount. If you have enrolled under a cashless policy, the company will make the payments directly to the hospital

The following expenses are covered under health insurance for diabetics:-

  • Doctor’s consultation fee
  • Diagnostic tests
  • Cost of medicines
  • Hospitalization

The coverage provided under the essential plan is up to Rs 10 Lacs. If you choose the enhanced plan, you can get coverage up to Rs 2 Crore

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