Health Insurance for Diabetes

List of Health Insurance for Diabetes in India

Diabetic patients in India might find it difficult to find an affordable health insurance plan that covers diabetes-related medical costs. Most health insurance plans extend their exclusion to not only diabetes but also to complications arising from it. Though the options are limited for patients who are in search of diabetes health insurance cover, here we have listed all the health insurance plans from different health insurance companies in India that diabetic patients can consider:

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

1. Aditya Birla Activ Health Enhanced Diabetes Plan

   Aditya Birla Activ Health Enhance plan is a comprehensive insurance policy with diabetes cover. It is designed for people with pre-existing diseases like hypertension and diabetes. The sum insured limit is up to Rs 2 Crores. The features and benefits under this policy are given below:

   Feature and Benefits:

   • Aditya Birla Activ Health Enhanced Plan offers critical illness cover for diabetes
   • It offers coverage on both individual and family floater basis
   • The coverage benefits include coverage benefits like medicines, diagnostic tests, doctors’ consultation fees in case of critical illnesses like diabetes, asthma, hypertension, etc.
   • It also includes daycare procedures like cataract, dialysis, chemotherapy, among others

2. Bajaj Allianz Health Care Supreme Plan

   This plan offers coverage from ₹5 lakh to ₹50 lakh and is available for individuals starting from 90 days of age. It provides coverage for diabetes and other PED after the completion of specified waiting period.

3. Care Freedom Health Insurance Plan

   The coverage is provided on both individual and family floater basis. The sum insured in this Care critical illness plan is Rs 3 lakh to Rs 5 lakh. The features and benefits offered under this plan are given below:

   Feature and Benefits:

   • Care Freedom Health Insurance plan offers coverage for dialysis treatment is provided. The claim limit is up to Rs 1000 per sitting for a maximum of 24 months
   • Health check-up facilities for Diabetes are provided including ESR, Blood Group, Lipid profile, Kidney function test ( KFT), Liver function test ( LFT), HbA1C, TSH, Hbs Ag, etc.
   • Cardiac health check-ups are also covered in the Care Freedom health plan
   • Cataract and knee replacement surgery expenses are also payable subjected to the sub-limits.

4. Cholamandalam Flexi Health Retail Plan

   With coverage ranging from ₹50,000 to ₹25 lakh, the Cholamandalam Flexi Health Retail plan is ideal for individuals aged 90 days to 65 years. This plan offers a wide sum insured and provides protection against diabetes.

5. Digit Health Insurance Plan

   This plan offers a wide coverage range of ₹2 lakh to ₹3 crore, providing financial protection for diabetes-related treatments. It covers individuals starting from 91 days of age.

6. Future Generali Health Absolute Plan

   Offering coverage from ₹3 lakh to ₹1 crore, this health insurance plan provides mediclaim benefits from day 1. The plan covers diabetes after the expiry of the specified waiting period.

7. HDFC ERGO Energy Health Insurance Plan

   With coverage ranging from ₹2 lakh to ₹50 lakh, the HDFC ERGO Energy Health Insurance plan is ideal for individuals aged 18 to 65 years. It focuses on managing lifestyle diseases like diabetes, offering financial protection for treatments.

8. ICICI Lombard Elevate Plan with JumpStart Cover

   Starting with a sum insured of ₹5 lakh, this plan is available for individuals aged 91 days above. It is designed to offer financial protection against diabetes-related expenses after the completion of the waiting period.

9. IFFCO Tokio Individual Health Protector Plan

   The IFFCO Tokio Individual Health Protector Plan offers coverage between ₹50,000 and ₹20 lakh. This plan is available to individuals aged 91 days to 65 years. It provides financial support for diabetes treatments and other medical expenses.

10. Liberty Health Connect Plan with PED Protector Cover

    The Liberty Health Connect Plan with PED Protector Cover plan covers a sum insured between ₹2 lakh and ₹40 lakh and is available for those aged 91 days to 50 years. It is designed to include coverage for pre-existing conditions like diabetes on the payment of extra premium.

11. Magma HDI OneHealth Insurance Plan

    With coverage options ranging from ₹2 lakh to ₹3 crore, this plan is available from 91 days of age onwards. It offers high coverage for diabetes-related health issues after the expiry of the PED waiting period.

12. ManipalCigna ProHealth Prime Insurance Active Plan

    The ManipalCigna ProHealth Prime Insurance Active plan offers a sum insured between ₹3 lakh and ₹15 lakh for individuals aged 91 days to 70 years. This plan provides extensive coverage for diabetes treatments.

13. National Varishtha Mediclaim Policy

    This is a senior citizen health plan that offers coverage to elderly people in the age group of 60-80 years. In this health insurance plan both hospitalization and domiciliary hospitalization expenses are covered. The features and benefits under this policy are given below:

    Feature and Benefits:

    • National Varishtha Mediclaim policy offers coverage for diabetes and hypertension can be availed as an add-on benefit
    • The policy also covers cataract surgeries up to Rs 10,000 and Benign Prostatic hyperplasia up to Rs 20,000
    • Domiciliary hospitalization cover is limited to 20% of the sum insured. However, it is not provided for diabetes treatment
    • The coverage amount can be Rs 1 lakh and Rs 2 lakh under the National Varishtha Mediclaim Policy.

14. New India Assurance Premier Mediclaim Plan

    With coverage between ₹15 lakh and ₹1 crore, this plan is available for individuals aged 90 days to 65 years. It provides coverage for diabetes treatment costs after completing the specified PED waiting period.

15. Niva Bupa ReAssure 2.0 Plan with Smart Health+

    This plan offers coverage between ₹3 lakh and ₹1 crore and is suitable for individuals aged 91 days to 65 years. It's designed to provide protection for diabetes-related expenses among others.

16. Oriental Happy Family Floater Plan

    This plan provides coverage ranging from ₹1 lakh to ₹50 lakh, making it a great option for families. It covers individuals aged 91 days to 65 years and includes diabetes care.

17. Raheja Health QuBE Plan

    With a sum insured range of ₹1 lakh to ₹50 lakh, the Raheja Health QuBE plan is available for individuals aged 90 days to 65 years. It offers comprehensive protection against diabetes and other health issues.

18. Reliance Health Infinity Insurance Plan

    This plan provides extensive coverage from ₹3 lakh to ₹5 crore, covering individuals aged 91 days to 65 years. It is ideal for those looking for coverage for diabetes care.

19. Royal Sundaram Multiplier Health Insurance Plan with ABCD Benefit

    With sum insured ranging between ₹5 lakh to ₹25 lakh, this plan is available for individuals aged 91 days to 65 years. The plan covers diabetes along with other health needs.

20. SBI Arogya Supreme Plan

    This health plan offers wide coverage ranging between ₹1 lakh to ₹5 crore, making it suitable for individuals aged 91 days to 65 years. It includes financial protection for diabetes treatments and provides flexibility in choosing the sum insured.

21. Star Health and Allied Diabetes Safe Insurance Plan

    Any person with the age group of 18 years to 65 years who is suffering from Diabetes Mellitus can get covered under this Star Health and Allied Diabetes Safe Insurance Plan. The insurer pays out for room rent, nursing and boarding charges, Anesthetist, Surgeons fees, and the cost of medicines. The features and benefits under this policy are given below:

    Feature and Benefits:

    • The policy covers hospitalization expenses incurred on expenses complications of diabetes
    • 100% personal accident cover is also provided in Star Health and Allied Diabetes Safe Insurance Plan
    • Other than this, modern treatments are also claimable in this policy. This includes Oral Chemotherapy, Uterine artery Embolization and HIFU, Robotic surgeries, immunotherapy, Bronchial thermoplasty, Stem cell therapy i.e. Hematopoietic stem cells for bone marrow transplant for haematological conditions, Intra Vitreal injections, Green laser treatment or holmium laser treatment, Deep Brain Stimulation, and Balloon Sinuplasty

22. Tata AIG Health SuperCharge Plan

    The Tata AIG Health SuperCharge plan is available for individuals from 91 days to 65 years of age, ensuring comprehensive health support for both young and older family members. The plan is designed to cover essential diabetes care and other health issues.

23. United Family Medicare Plan

    The United Family Medicare plan offers sum insured between ₹3 lakh and ₹25 lakh and is available for individuals aged 91 days to 65 years. It is perfect for families looking to manage diabetes-related expenses.

24. Universal Sompo Supreme Healthcare Plan with Instant Cover

    With a sum insured of ₹5 lakh to ₹6 crore, this health insurance plan offers immediate coverage starting from 90 days of age. The plan is also designed to cover diabetes care after serving the specified waiting period.

25. Zuno (Formerly Edelweiss) HealthPlus Plan

    This plan provides coverage from ₹1 lakh to ₹5 crore and offers financial protection for individuals aged 91 days and above. It includes diabetes care and ensures that both minor and major health issues are financially covered.

26. Zurich Kotak Health Premier Plan

    The Zurich Kotak Health Premier Plan offers coverage ranging from ₹2 lakh to ₹2 crore. This health plan is available for individuals aged 91 days to 65 years.

How Health Insurance Helps Diabetic Patients?

Health insurance helps in winning the battle against diabetes. Here is how health insurance ensures that you avail the best possible treatment. 

• Doctor Fees- It will cover the cost of doctor’s fees, so you can consult the best of the doctors without worrying about the consultation fee
• Diagnostic Fees- It covers the cost of diagnostic fees as covered under a health insurance plan
• Cost of Medicines- The policyholder no longer needs to worry about the cost of diabetic medicines, as they are covered under the health plan
• Focus on Recovery- With diabetes health insurance you can focus on your recovery instead of worrying about hospital bills