Health Insurance for Diabetes Patients

Cover Accidental, Illness & COVID-19 Hospitalization
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What is Diabetes Health Insurance?

Why should you get a Health Insurance that covers Diabetes?

Diabetes patients in India
It is estimated that 61.3 million people aged 20-79 years live with diabetes in India, mainly in urban India. This number is expected to increase to 101.2 million by 2030! (1)
COVID and Diabetes
People with diabetes are more prone to the COVID-19, also leading to more serious health complications than those not infected along with a pre-existing disease. (2)
Diabetes is an expensive disease. The chronic nature of the disease and its associated complications are the real reason behind the high costs involved. (3)
Diabetes in youngsters
A most disturbing trend is the shift in age of onset of diabetes to a younger age. Indians get diabetes on average 10 years earlier than their Western counterparts. (4)
According to the WHO, if one adult in a low-income family has diabetes, as much as 25% of family income may be devoted to just diabetes care! (5)
Type 2 diabetes
According to the International Diabetic Federation, 1 in 2 adults in the world have Type 2 diabetes and around 46.5% of those are undiagnosed until their condition worsens. (6)

What are the conditions for Diabetic patients in Digit Health Insurance?

What’s great about Digit’s Health Insurance covering Diabetes?

  • Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
  • Additional Sum Insured available – Get additional coverage specifically for Accidental Hospitalizations and Critical Illnesses, at zero cost!
  • Covers Pandemics like the Coronavirus – India is one of worst affected countries when it comes to the COVID-19, and what’s worse is that those suffering from diabetes are more prone to the disease. Don’t worry though, as treatment for the COVID-19 too is covered under Digit’s health insurance.
  • No Age-based copayment - Our health insurance comes with no age-based copayment. This means, during health insurance claims- you need not pay anything from your pocket.
  • No Room Rent restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent restrictions. You can choose any hospital room you prefer. 
  • 2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
  • Cumulative Bonus - A reward for staying healthy! You can get a yearly cumulative bonus for claim-free years.
  • Get Treated at any Hospital - Choose from 6400+ of our network hospitals in India for cashless claims or opt for a reimbursement.

What’s covered in our Health Insurance covering Diabetes?



Comfort Pro


What’s not covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

Type 1 diabetes

If you or your family member has already been diagnosed with Type 1 diabetes, then they can’t be covered under Digit’s standard health insurance option.

Type 2 diabetes for more than 10 years

If you were diagnosed with diabetes more than 10 years back and, are still suffering and being treated for the same then you can’t be covered under our health insurance plan.

Type 2 diabetes for less than 10 years, but with poor control i.e. HbA1c more than 7.5%

If you’ve been diagnosed and are being treated with Type 2 diabetes for less than 10 years but with poor control (I.e. your HbA1c is more than 7.5%) then you can’t be covered under Digit’s standard health insurance option.

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Why is a Health Insurance that covers Diabetes important?

Myths about Diabetes & Diabetes Health Insurance

FAQs about Health Insurance for Diabetes Patients in India