A health insurance policy is one of the best ways to protect yourself from expensive healthcare costs. But when most people think about health insurance cover, they generally believe that it is a policy which you purchase for covering medical expenses that can arise from a condition you might suffer from in the future.

While this is true, most plans now also cover medical conditions you are already suffering from. So, can someone with diabetes get health insurance? Let us have a look-

Health Insurance and Pre-Existing Conditions

In health insurance terminology, a medical condition you are already suffering from is known as a pre-existing condition. In the past, health plans used to cover such existing medical conditions only after a waiting period of 2-3 years. So, if you were already suffering from diabetes, cholesterol, or hypertension, any medical costs arising from such conditions would only be covered once the waiting period was over.

While several plans still have such waiting periods for pre-existing conditions, most insurers now offer plans with minimum or zero waiting period. Moreover, there are now also plans exclusively created for people with diabetes.

Health Plans for People with Diabetes

To better meet the needs of the consumers, insurance providers are now offering innovative health insurance plans. For instance, there are now plans solely created for people suffering from diabetes. These plans cover diabetes from day 1 to help you easily manage the high costs associated with diabetes treatment.

In most such plans, there is no maximum age limit for the applicant, and the insurance premiums are highly affordable. However, you will be required to go under a medical check-up before your insurance application is approved.

What is Covered Under These Plans?

As these plans are created for people suffering from diabetes, the features are benefits are customised to meet their requirements better. The plans generally cover-
  • Diagnostic tests

  • Doctor’s consultation

  • Cost of medicines

  • Hospitalisation
The health insurance coverage with these plans can be as high as Rs. 10 lakhs to ensure that all the medical expenses arising due to diabetes can be easily covered. With easy claim procedure and quick reimbursement, you are sure to experience maximum convenience with one such policy.

Winning the Diabetes Battle with Health Insurance

If you have diabetes and are confused about whether you can buy health insurance, know that you are not only eligible for most health plans, but there are now also policies exclusively created for people with diabetes.

Search for a top health insurance plan for diabetes to make sure that you receive all the financial assistance that you might need to fight this chronic condition.

Learn more about different Health Insurance Plans here.


The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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