Health Insurance for Diabetes

Health insurance for diabetes helps diabetic people manage the high cost of diabetes treatment and related illnesses. It covers medical and hospitalization expenses for Type 1 and Type 2 diabetes and its complications. Several diabetes health insurance plans offer day 1 coverage for pre-existing diabetes with no waiting period.

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      What is Diabetes?

      Diabetes is a health condition in which the blood sugar (glucose) levels in the body are very high. It develops when the pancreas makes insufficient or no insulin or if the body stops responding to the effects of insulin and develops insulin resistance. The insulin helps glucose get into the cells and produce energy. Diabetes increases the risk of heart disease, kidney problems, certain cancers, damage to nerves and eye problems.

      Given below is the various category of diabetes as per the blood sugar level after fasting overnight:

      Blood Sugar Level
      (milligrams per decilitre)
      Category
      Less than or equal to 99 mg/dL Normal blood sugar
      100 to 125 mg/dL Prediabetes
      126 mg/dL or more Diabetes

      Diabetes can develop in people of all ages and is chronic. However, this lifestyle disease can be managed with medications and certain lifestyle changes.

      Common Types of Diabetes

      Take a look at the most common types of diabetes:

      • Type 1 Diabetes - Type 1 diabetes is a type of diabetes in which the body's immune system attacks or destroys the cells responsible for producing insulin. As a result, the body makes little or no insulin, and those affected need to take insulin every day to stay alive. Although this autoimmune disease can develop at any age, type 1 diabetes is primarily diagnosed in children and young adults.
      • Type 2 Diabetes - Type 2 diabetes is the most common type of diabetes. It develops when the pancreas does not produce sufficient insulin or the body develops insulin resistance and stops responding. Type 2 diabetes is mainly found in adults but can also develop in children.
      • Prediabetes - Prediabetes is the stage where the blood sugar levels of a person are above normal but not high enough to be categorized as diabetes. Prediabetes people are more likely to develop type 2 diabetes in future.
      • Gestational Diabetes - Gestational diabetes is a type of diabetes that affects pregnant women. It develops during pregnancy and mostly goes away after the baby is born. However, women with gestational diabetes have a higher chance of developing type 2 diabetes in future.

      Who Should Buy Health Insurance for Diabetes in India?

      The following people should buy medical insurance for diabetes in India:

      • People with a family history of diabetes
      • People who are overweight or obese
      • People above 45 years
      • People with a sedentary lifestyle with no physical activity more than 3 times a week
      • People suffering from non-alcoholic fatty liver disease (NAFLD)
      • Women who had gestational diabetes or gave birth to a baby above 4 kg
      • Women suffering from PCOS are at risk of developing gestational diabetes

      Moreover, people already diagnosed with diabetes should buy diabetes health insurance from day 1 coverage. People who are prediabetes or were diagnosed as gestational diabetic can opt for a mediclaim insurance policy with a waiting period of 1 or 2 years. However, obese people or those with a family history of diabetes can opt for a health policy for diabetes with 2-3 years of waiting period.

      Benefits of Buying Health Insurance for Diabetic Patients

      Health insurance can help in winning the battle against diabetes. Here is why buying health insurance for diabetes is a good idea to avail the best possible treatment:

      1. Massive Prevalence of Diabetes in India

        Diabetes is one of the most common lifestyle diseases in India. According to a study by The Lancet, India has the highest number of diabetic people in the world. In fact, around one-fourth of all diabetic people in the world are from India. Since diabetes leads to several complications, like heart disease, nerve damage, kidney problems, etc., it may involve ongoing medical treatments and even expensive hospitalization. To prevent draining their savings in paying medical bills, buying the best health insurance policy for diabetes is recommended.

      2. Surge in Healthcare Costs

        With rising medical inflation, the treatment cost for diabetes and related complications has become extremely expensive. The disease requires regular treatment, which means regular cost of doctor's fees, diagnostic fees, and diabetes medicines. Moreover, if the patient ends up getting hospitalized, they will have to pay hospital bills worth lakhs of rupees. However, with diabetes health insurance, patients can focus on their recovery instead of worrying about paying the hospital bills.

      List of Best Health Insurance for Diabetics in India

      Given below is the list of best health insurance plans for diabetes from different insurance companies in India:

      Diabetes Health Insurance Plan Sum Insured (in โ‚น) Entry Age Waiting Period for Pre-existing Diabetes
      Aditya Birla Activ Health Platinum Enhance Plan 2 lakh to 2 crore 60 years to 80 years Maximum Renewal Age: 90 years Covered from day 1
      Bajaj Allianz Health Care Supreme Plan 5 to 50 lakh 90 days onwards 2 years
      Care Supreme Plan with Instant Cover 5/7/10/15 lakh 90 days onwards Covered from day 1
      Cholamandalam Flexi Health Plan 50,000 to 25 lakh 90 days to 65 years 3 years
      Digit Health Insurance Plan 2 lakh to 3 crore 91 days onwards 1 year, 3 years
      Future Generali Health Absolute Plan 3 lakh to 1 crore Day 1 onwards 2 years
      HDFC ERGO Energy Health Insurance Plan 2 lakh to 50 lakh 18 years to 65 years Covered from day 1
      ICICI Lombard Elevate Plan with JumpStart Cover 5 lakh onwards 91 days to 125 years 30 days
      IFFCO Tokio Individual Health Protector Plan 50,000 to 20 lakh 91 days to 65 years 3 years
      Liberty Health Connect Plan with PED Protector Cover 2 lakh to 40 lakh 91 days to 50 years 1 year, 2 years
      Magma HDI OneHealth Insurance Plan 2 lakh to 3 crore 91 days onwards 2 years, 3 years, 4 years
      ManipalCigna ProHealth Prime Insurance Active Plan 3 lakh to 15 lakh 91 days to 70 years 90 days
      National Parivar Mediclaim Policy with Pre-existing Diabetes/Hypertension Cover 1 to 10 lakh 90 days to 65 years Covered from day 1
      New India Assurance Premier Mediclaim Plan 15 lakh to 1 crore 90 days to 65 years 90 days
      Niva Bupa ReAssure 2.0 Plan with Smart Health+ 3 lakh to 1 crore 91 days to 65 years Covered from day 1
      Oriental Happy Family Floater Plan 1 lakh to 50 lakh 91 days to 65 years 90 days
      Raheja QBE Health QuBE Plan 1 lakh to 50 lakh 90 days to 65 years 4 years
      Reliance Health Infinity Insurance Plan 3 lakh to 5 crore 91 days to 65 years 3 years
      Royal Sundaram Multiplier Health Insurance Plan with ABCD Benefit 5 lakh to 25 lakh 91 days to 65 years 30 days
      SBI Arogya Supreme Plan 1 lakh to 5 crore 91 days to 65 years 90 days
      Star Diabetes Safe Insurance Plan 3/4/5/10 lakh 18 years to 65 years Day 1 coverage under Plan A, 1 year under Plan B
      Tata AIG Health SuperCharge Plan 5 lakh to 20 lakh 91 days to 65 years 30 days
      United Family Medicare Plan 3 lakh to 25 lakh 91 days to 65 years 3 years
      Universal Sompo Supreme Healthcare Plan with Instant Cover 5 lakh to 6 crore 90 days onwards Covered from day 1
      Zuno (Formerly Edelweiss) HealthPlus Plan 1 lakh to 5 crore 91 days onwards 90 days
      Zurich Kotak Health Premier Plan 2 lakh to 2 crore 91 days to 65 years 2 years, 3 years, 4 years
      View More Plans

      *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.

      Explore the various Types of Health Plans available to find the best option for managing your diabetes and ensuring comprehensive healthcare.

      Inclusions of Health Insurance for Diabetes

      Health insurance plans for diabetes include the following coverage:

      • Hospitalization expenses
      • OPD expenses
      • Modern treatments
      • Emergency ambulance charges
      • AYUSH treatment
      • Donor expenses for kidney transplant surgery
      • Dialysis expenses
      • Cost of artificial limbs
      • Cataract surgery
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Day care procedures
      • Personal accident cover
      • Shared accommodation benefit

      Exclusions of Health Insurance for Diabetes

      The following medical expenses are excluded under diabetes health insurance:

      • Obesity and weight control procedures
      • Cost of dietary supplements and substances
      • Unproven treatments
      • Cost of external aids and devices
      • Treatments taken outside of India
      • Artificial life maintenance

      Best Health Insurance for Diabetes in India

      1. Aditya Birla Activ Health Enhanced Diabetes Plan

        The Aditya Birla Activ Health Enhance plan is a comprehensive insurance policy that offers diabetes coverage from day 1 of the policy. It is designed for people with pre-existing diseases diabetes, and also comes with a chronic management program. The coverage includes OPD treatment expenses, hospitalization expenses, day care procedures and AYUSH treatments. Moreover, annual preventive health check-ups are also available.

      2. Bajaj Allianz Health Care Supreme Plan

        The Bajaj Allianz Health Care Supreme plan offers medical coverage for diabetes and its complications after a waiting period of 2 years. The policy will pay for hospitalization expenses, OPD expenses, day care procedures, modern treatments and organ donor expenses. Moreover, free annual preventive health check-ups and recovery benefit are also available under the policy.

      3. Care Supreme Plan with Instant Cover

        The Care Supreme plan covers the medical expenses incurred on the treatment of diabetes and its complications. When opting for Instant Cover, people with pre-existing diabetes can get coverage from day 1 of the policy. The coverage includes hospitalization expenses, domiciliary hospitalization expenses, organ donor expenses and ambulance charges. Moreover, the patient can avail unlimited e-consultations and no limit on room rent or ICU.

      4. Cholamandalam Flexi Health Plan

        The Cholamandalam Flexi Health Retail plan is ideal for individuals diagnosed with diabetes. This plan provides financial protection against diabetes and related illnesses, including hospitalization expenses, AYUSH treatment, day care procedures and organ donor expenses. The policy also offers daily care benefit and preventive health check-up benefit.

      5. Digit Health Insurance Plan

        The Digit Health Insurance plan offers financial protection for diabetes-related treatments. Besides hospitalization costs, it covers individuals for AYUSH hospitalization, bariatric surgery, day care procedures, ambulance charges and organ donor expenses. Moreover, worldwide coverage is also available under this plan.

      6. Future Generali Health Absolute Plan

        The Future Generali Health Absolute plan provides mediclaim benefits for diabetes and related illnesses. The plan covers pre-existing diabetes after a waiting period of 2 years. Day care treatments, hospitalization expenses, OPD treatment, organ donor expenses and ambulance charges are covered by the insurer. Moreover, coverage for alternative treatments and medical coverage abroad are available under this policy.

      7. HDFC ERGO Energy Health Insurance Plan

        The HDFC ERGO Energy Health Insurance plan focuses on managing lifestyle diseases like diabetes and hypertension. It offers coverage for treatments of Type 1 diabetes, Type 2 diabetes, Impaired Fasting Glucose (IFG) and Impaired Glucose Tolerance (IGT). In-patient treatment, organ donor cover, shared accommodation benefit and day care treatments are also available under this policy. Moreover, the policy covers pre-existing diabetes from day 1 of the policy.

      8. ICICI Lombard Elevate Plan with JumpStart Cover

        The ICICI Lombard Elevate plan is designed to cover diabetes and related diseases after the completion of the waiting period. However, with the JumpStart cover, diabetic patients can avail coverage from day 30 of the policy. Besides in-patient care, the plan also offers a cashless chronic disease management program for managing diabetes. Day care treatments, modern treatments, bariatric surgery, and teleconsultations are also covered by this policy.

      9. IFFCO Tokio Individual Health Protector Plan

        The IFFCO Tokio Individual Health Protector Plan provides financial support for diabetes treatments and related medical expenses. The coverage includes AYUSH hospitalization expenses, in-patient hospitalization costs, modern treatments, day care treatments and organ donor expenses.

      10. Liberty Health Connect Plan with PED Protector Cover

        The Liberty Health Connect Plan with PED Protector cover is designed to provide coverage for pre-existing conditions like diabetes and related complications on the payment of extra premiums. It covers the cost of hospitalization, AYUSH treatment, organ donor surgery and day care treatments. The plan also offers hospital daily cash allowance and recovery benefit to the insured.

      11. Magma HDI OneHealth Insurance Plan

        The Magma HDI OneHealth Insurance plan offers comprehensive coverage for diabetes and related health issues. It covers the cost of hospitalization, bariatric surgery, AYUSH treatment, day care treatment and modern treatment. Annual health check-ups, hospital cash benefit and OPD cover are also available in this policy.

      12. ManipalCigna ProHealth Prime Insurance Active Plan

        The ManipalCigna ProHealth Prime Insurance Active plan provides extensive coverage for diabetes treatments and hospitalization. It covers pre-existing diabetes after a waiting period of 90 days. The coverage comprise of AYUSH treatments, donor expenses, day care treatments, teleconsultations and ambulance charges. Daily cash for shared accommodation and convalescence benefit are also available in this policy.

      13. National Parivar Mediclaim Policy with Pre-existing Diabetes/Hypertension Cover

        The National Parivar Mediclaim policy offers coverage for diabetes and its complications. With Pre-existing Diabetes/Hypertension cover, diabetes patients can claim treatment costs from day 1 of the policy. In this health insurance plan, both hospitalization and domiciliary hospitalization expenses are covered, along with morbid obesity treatment, modern treatments and day care procedures. Moreover, hospital cash benefit is also available under this policy.

      14. New India Assurance Premier Mediclaim Plan

        The New India Assurance Premier Mediclaim plan provides coverage for diabetes treatment costs after completing a PED waiting period of 90 days. Hospitalization expenses, modern treatments, OPD treatments, and Ayurvedic treatment are covered by this policy. Besides, hospital cash benefit and obesity treatments are also available under the plan.

      15. Niva Bupa ReAssure 2.0 Plan with Smart Health+

        The Niva Bupa ReAssure 2.0 plan is designed to provide financial protection for diabetes treatment and related expenses. With Smart Health+, diabetes patients can avail treatment from day 1 of the policy. Hospitalization expenses, modern treatments, ambulance charges and unlimited e-consultations are covered in this policy. Moreover, it offers annual health check-ups and shared accommodation benefit to diabetic patients.

      16. Oriental Happy Family Floater Plan

        The Oriental Happy Family Floater plan provides coverage to families against diabetes and its complications. However, it covers pre-existing diabetes after a waiting period of 90 days. The coverage includes hospitalization costs, donor expenses, telemedicine and modern treatments. Daily hospital cash allowance and attendant allowance are also available under this policy.

      17. Raheja QBE Health QuBE Plan

        The Raheja QBE Health QuBE plan offers comprehensive protection against diabetes and related health issues. It offers coverage for in-patient care, ambulance services, organ donor expenses and advance treatments. Health check-up benefit and daily allowance are also available in this policy.

      18. Reliance Health Infinity Insurance Plan

        The Reliance Health Infinity plan provides extensive coverage for diabetes care and its complications. It covers the cost of in-patient care, modern treatments, day care procedures, organ donor expenses and AYUSH treatments.

      19. Royal Sundaram Multiplier Health Insurance Plan with ABCD Benefit

        The Royal Sundaram Multiplier Health Insurance plan covers the treatment cost of diabetes along with its complications. With the ABCD benefit, people already diagnosed with diabetes can claim their expenses after 30 days of waiting period. The policy covers the cost of in-patient care, modern treatments, day care treatments and organ donor expenses. Annual health check-up benefit is also available under this policy.

      20. SBI Arogya Supreme Plan

        The SBI Arogya Supreme plan offers financial protection for diabetes treatments and covers PED diabetes from day 90 of the policy. In-patient hospitalization, bariatric surgery costs, advance procedures, day care procedures and alternative treatments are covered in this policy. The plan also offers recovery benefit and preventive health check-ups.

      21. Star Diabetes Safe Insurance Plan

        Any person suffering from Diabetes Mellitus can get covered under this Star Diabetes Safe Insurance Plan. While Plan A covers PED diabetes from day 1, Plan B comes with a waiting period of 1 year. The insurer pays out for hospitalization expenses, including room rent, nursing and boarding charges, anaesthetist, & surgeon fees, and the cost of medicines. The policy also covers OPD expenses, ambulance charges, AYUSH treatment and modern treatments. Moreover, personal accident cover is also provided under this policy

      22. Tata AIG Health SuperCharge Plan

        The Tata AIG Health SuperCharge plan is available for individuals ensuring comprehensive health support for both young and older family members. The plan is designed to cover essential diabetes care and other health issues resulting from it. Moreover, it covers pre-existing diabetes after 30 days. The coverage includes in-patient treatment, organ donor expenses, ambulance charges, day care treatments and AYUSH hospitalization.

      23. United Family Medicare Plan

        The United Family Medicare plan is perfect for families looking to manage diabetes-related expenses. The plan covers in-patient treatments, modern treatments, day care treatments and ambulance charges. Daily cash allowance and health check-up benefit are also available in this policy.

      24. Universal Sompo Supreme Healthcare Plan with Instant Cover

        The Universal Sompo Supreme Healthcare plan offers day 1 coverage for pre-existing diabetes with Instant cover. The plan also covers the complications resulting from diabetes and its treatment. The coverage comprise of hospitalization expenses, advance treatments, day care treatments, unlimited e-consultation and organ donor expenses.

      25. Zuno (Formerly Edelweiss) HealthPlus Plan

        The Zuno HealthPlus plan provides coverage for diabetes care and any minor and major health issues resulting from it. Besides, it covers pre-existing diabetes after a waiting period of 90 days. It covers in-patient treatments, OPD treatments, modern treatments, AYUSH treatments and day care procedures. Moreover, the policy also covers hospital cash benefit and convalescence benefit.

      26. Zurich Kotak Health Premier Plan

        The Zurich Kotak Health Premier plan offers coverage for the treatment cost of diabetes and related illnesses. This health plan covers the cost of in-patient treatment, day care treatment, alternative treatments and ambulance charges. Moreover, it also comes with annual health check-ups, hospital cash benefit and convalescence benefit.

      Tips to Manage Diabetes

      Check out some essential tips to manage diabetes:

      • Limit the intake of food with high sugar and saturated fat.
      • Exercise or perform moderate physical activities for at least 30 minutes multiple times a week.
      • Eat small meals frequently throughout the day to keep your blood sugar levels in control.
      • Get at least 7-8 hours of uninterrupted sleep every night.
      • Add fibre-rich food to your diet and avoid skipping meals.
      • Practice yoga or deep breathing to manage anxiety and stress.
      • Drink 2-3 litres of water every day to regulate blood sugar levels.
      • Monitor your blood sugar levels regularly using a portable glucometer.
      • Avoid smoking or consuming tobacco to reduce the risk of complications.
      • Take your diabetes medication on time and in the prescribed quantity.
      • Reduce consumption of alcohol and avoid drinking on an empty stomach.

      FAQs

      • Q1. Is diabetes covered by insurance?

        Ans: Yes. Diabetes is covered by all health insurance plans in India. While some plans cover pre-existing diabetes from day 1, others cover them after a waiting period of up to 3 years.
      • Q2. Does private health insurance cover diabetes?

        Ans: Yes. Private health insurance plans cover the treatment cost of diabetes.
      • Q3. Why should you buy a diabetes health insurance plan?

        Ans: With a diabetes health insurance policy, you can get comprehensive coverage for the treatment of diabetes and related illnesses. The policy helps you meet hospitalization expenses, doctor fees, diagnostic tests, OPD expenses and other recurring costs of treatment. You can get coverage for both Type 1 and Type 2 diabetes and reduce your out-of-pocket expenses.
      • Q4. Is insulin covered by insurance?

        Ans: Yes. Diabetes health insurance plans cover the cost of insulin.
      • Q5. What is the waiting period for diabetes in health insurance?

        Ans: Health insurance plans for diabetes come with a waiting period of up to 3 years. However, some health plans cover pre-existing diabetes from day 1 without any waiting period.
      • Q6. Is Type 1 diabetes covered in health insurance?

        Ans: Yes. Types 1 diabetes health insurance covers the treatment cost of Type 1 diabetes.
      • Q7. Where can I check diabetes health insurance cost?

        Ans: You can check diabetes health insurance cost by contacting the customer care of your insurer. You can also use a health insurance premium calculator to check the cost of Type 1 and Type 2 diabetes health insurance plans.
      • Q8. Is diabetes considered a critical illness for insurance?

        Ans: No. Diabetes is not considered a critical illness under insurance. However, it can lead to various critical illnesses, like heart attack, kidney failure, etc.
      • Q9. What is the diabetes health insurance claim procedure?

        Ans: The procedure to file diabetes health insurance claims is similar to those for other diseases. Once you submit your medical bills and required documents, the insurer reimburses your medical expenses or hospital bills. Moreover, you can also avail cashless treatment at any hospital with a cashless everywhere facility, where your insurer will pay the bill amount directly to the hospital.
      • Q10. What expenses are covered under Type 1 and Type 2 Diabetes?

        Ans: Health insurance for Type 1 diabetes in India and Type 2 diabetes covers the following expenses:

        • Doctor's consultation fees
        • Cost of medicines
        • Diagnostic tests
        • Hospitalization expenses
        • OPD expenses
        • AYUSH treatments
        • Modern treatments
      • Q11. I am 60 years old. Which diabetes health insurance plan should I buy?

        Ans: Several diabetes health insurance plans offer coverage to people above the age of 60 years. You can compare these plans online on Policybazaar.com and buy a plan that offers you the best coverage at an affordable rate.
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      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. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *โ‚น1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *โ‚น400/month is the starting price for โ‚น 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *โ‚น541/month is the starting price for โ‚น 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *โ‚น762/month is the starting price for โ‚น 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *โ‚น243/month(โ‚น 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *โ‚น2020/month is the starting price for โ‚น 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *โ‚น390/month (โ‚น13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurerโ€™s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      ยฉ Copyright 2008-2024 policybazaar.com. All Rights Reserved.

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