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How to get health insurance if you have diabetes

purity muriuki



Faceless doctor with chocolate coins in hands


 Diabetes is a serious health disorder that can lead to many other health problems. You need to have good health insurance coverage if you are a diabetic.

Health insurance is a major life requirement. Living without good health cover is very risky. This is because any ailment or accident can strike at any time and leave you severely ill. To stay protected against these unfortunate events, you need health insurance. Also, these days we see many people develop lifestyle disorders such as hypertension and diabetes. The diseases are very dangerous and can even become fatal if not checked on time. Hence, you should consider getting the correct form of medical insurance so that even if you have a serious disorder like diabetes, you can prioritise your health and stay fit.

What is diabetes?

There is glucose present in your blood. When the body functions properly, a hormone called insulin is released by the pancreas. Insulin works to balance blood sugar levels. However, when there is a glucose-insulin imbalance, your blood sugar levels go out of control, and you get a disease called diabetes. This is an extremely dangerous disorder and can lead to some very serious secondary health problems, including heart attack and organ failure.

Diabetes has two forms – type 1 and type 2. Type 1 diabetes is often congenital and occurs when you are born with an inability to produce any insulin. In type 2 diabetes, the disease sets in mainly due to faulty lifestyle practices where the body stops producing the correct levels of insulin.

Since diabetes is considered to be high-risk as it may affect other body parts as well, you may not have too many options for availing of a health insurance policy very easily if you already have diabetes. However, these days there are quite a few affordable diabetes insurance plans that have been specifically designed to help people with this disorder to keep their health secure.

What is diabetes insurance?

Health insurance works to cover your health. It is an indemnity undertaken by the insurance provider wherein you pay a premium, and they promise to pay for your medical expenses as and when needed. This is a risk that the insurance provider takes. That is why most insurance providers are apprehensive when covering people who have preexisting disorders like diabetes.

A pre-existing disorder is a health condition already present in the applicant when he seeks health insurance. Because of this, the application may be rejected, or the applicant will be asked to pay a higher premium. In other cases, he will be put on a longer waiting period.

This proves to be a problem for people with diabetes as they cannot get good medical insurance coverage. Diabetes plans come in very handy at such times. These specially designed health plans allow people with diabetes to get comprehensive health coverage. Not only are the complications related to diabetes covered under these plans, but they also provide a wholesome health cover with which the policyholder can keep himself covered in a comprehensive manner.

Features of a diabetes health insurance policy

Health insurance plans for diabetes prove to be very beneficial for anyone who has this ailment. Some of the most impressive features of such a plan include the following:

1.Extensive coverage

You get coverage for all kinds of diabetes, including Type 1 and Type 2 diabetes. This helps you to stay protected, no matter what causes your blood sugar levels to spike. Also, these plans are available on an individual as well as a floater basis, making them very useful for everyone.

2.No waiting period

A major advantage of a diabetes plan is that it offers immediate coverage. You don’t have to wait for any duration for the coverage to kick in. This is highly beneficial for diabetics as,

under most health plans. You are made to wait when you have diabetes. Unfortunately, regular health insurance plans don’t offer coverage from day one when you have a pre-existing disorder like diabetes. This can be very dangerous and leave you without medical insurance coverage when you are sick. So, investing in a diabetes plan proves to be a good idea.

3.In-patient care

 The diabetes plans have been formulated in such a way that they offer 360-degree health coverage. If you require hospitalisation due to any complication related to diabetes, you can make a claim on the policy. This includes the room rent, ICU charges, surgery expenses, physician fees, nursing charges, ventilator charges, etc.

4.OPD covers

Diabetic patients often require extra medical care and keep visiting their doctor. The diabetes care plans offer compensation for OPD expenses. Also, you can make a claim for diagnostic tests such as blood tests and urine tests.

5.Daycare procedures cover

Some medical procedures don’t require an overnight hospital stay. They can be completed within a few hours, but to have them, you need to be admitted to the hospital. Such procedures are known as daycare procedures. All the leading diabetes health plans in India offer coverage for daycare procedures, and this surely proves to be one of the handiest covers.

6.Dialysis cover

Sadly, kidney disorders very commonly occur due to diabetes. So, if you have been diagnosed with diabetes, you will be at risk of renal failure and may need dialysis. The diabetes health insurance plans have dialysis coverage and this comes in very handy when there is a requirement. Dialysis is a regular process, and going for the sessions can be expensive. Hence, having insurance coverage helps immensely at such times.

7.Organ donation cover

When left untreated, diabetes can lead to organ failure. Many people face this challenge as, for many years, they don’t even realise they have diabetes. Getting a diabetes insurance plan helps because you can stay covered for any organ donation surgery that you may need. You never know when such a requirement may pop up, so staying prepared helps.

 8.Personal accident cover

There are many additional features that you get along with diabetes plans. One of them is the personal accident cover. If you die in a road accident or are left disabled, your nominees will receive additional compensation. However, this cover is not available with every single diabetes plan, so read the terms and conditions carefully before you make a purchase.

These are the excellent features that you get under a diabetes health plan.

In conclusion

As you can clearly see from the points mentioned above, there are many benefits to buying a diabetes insurance plan. So if you have diabetes, or your doctor feels you may get it soon, look to buy health insurance coverage to ensure your diabetes is under control. You must manage the condition with the proper lifestyle changes, but if you require any form of medical assistance at any time, your health plan should be able to cover you adequately.


Disclaimer: This article is for illustrative purposes only. For further details, please refer to the policy wordings and prospectus before concluding the sales.




I'm a passionate full-time blogger. I love writing about startups, how they can access key resources, avoid legal mistakes, respond to questions from angel investors as well as the reality check for startups. Continue reading my articles for more insight.

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