Buy Health Insurance Plan for Diabetes Patients Online in India
What is Diabetes Health Insurance?
A diabetes health insurance is a customized health insurance plan that covers for treatment and hospitalization costs arising due to diabetes. Additionally, a diabetes health insurance can also refer to a comprehensive health insurance plan that includes coverage for diabetes within its benefits, such as Digit’s Health Insurance.
Why should you get a Health Insurance that covers Diabetes?
What are the conditions for Diabetic patients in Digit Health Insurance?
While Diabetes is covered for under Digit’s Health Insurance. Due to the nature of the disease and the varying healthcare complications around the same - there are specific conditions you should know about when it comes to your health insurance coverage for diabetes so there are no last-minute surprises and well because we believe in being completely transparent and want to let you know what’s covered and not covered well in advance!
1. Bad News: Type 1 Diabetes isn’t covered
Type 1 diabetes is usually diagnosed early on in children and young people and those suffering from the same are highly dependent on insulin.
Unfortunately, (and we hate that it is this way!) if you are already diagnosed and dependent on insulin for Type 1 diabetes at the time of buying a health insurance policy, you can’t be covered under
Digit’s standard Health Insurance. Given the varying health risks and complications involved in Type 1 diabetes, it is instead recommended to go for a specific diabetes health insurance plan that is designed for Type 1 diabetes patients.
2. Good News: If you’ve had diabetes for less than 10 years with good control like HbA1c less than 7.5% then you will be covered!
We understand that Type 2 diabetes is extremely common in India and that’s why we do cover it in our health insurance plan.
However, there is a waiting period involved for all pre-existing diseases, including diabetes.
The waiting period for diabetes as a pre-existing disease is 4 years at Digit, from the date of buying your health insurance after which you can make claims related to the same.
3. Bad News: If you or your parent has been diagnosed and are being treated for diabetes for more than 10 years, then you won’t be covered
Every health insurance does come with some limitations and unfortunately, this is ours; that we cannot cover those diagnosed and being treated for diabetes for more than ten years.
This is mainly because of the high healthcare risks and complications involved and hence it’s often recommended to instead go for a diabetes-specific plan that would be better suited for those suffering from the same for more than ten years.
4. Good News: Type 2 diabetes, which is the most common form of diabetes will be covered post the minimum waiting period
The bad news is that India has the second-highest diabetics population in the world, and this is mainly due to Type 2 diabetes that is increasingly and especially becoming common in the urban population owing to modern lifestyle habits.
However, the good news is that whether you’re already diagnosed or would be in the future (we do hope not, though!), Digit’s health insurance does cover the same, post the waiting period.
Disclaimer - These are the generic conditions for diabetes applicable in our health insurance. However, whether you are covered or not covered will also depend on your overall medical condition, which will be evaluated by our health experts when you buy your health insurance policy with Digit. The same is usually evaluated through required medical tests.
What’s great about Digit’s Health Insurance covering Diabetes?
What’s covered in our Health Insurance?
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement Plan
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalization for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalized for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalization, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
What’s not covered?
Key benefits of Health Insurance by Digit
Room Rent Capping
16400+ Network Hospitals across India
Inbuilt Personal Accident Cover
Available from 10+ Wellness Partners
City Based Discount
Up to 10% Discount
Good Health Discount
Up to 10% Discount
Available as an Add-on
How to file a Claim?
Why is a Health Insurance that covers Diabetes important?
"Because diabetes can turn out to be an expensive disease due to its varying health complications". As per a recent report by the Association of Physicians of India, the poor urban population spends around 34% of their income on diabetes treatment while the rural population spends around 27% on the same.
The medical cost of diabetes is high mainly due to its routine costs involved, health complications and higher health risks. A health insurance that cover diabetes will ensure you can financially manage these expenses in a better manner.
"Because medical inflations in India are increasing every year ". Unfortunately, medical expenses in India are only rising year on year, whether you’re prone to being diabetic or not, covering yourself with a health insurance is beneficial for all kinds of illnesses and diseases you may need treatment for, even when it is for something as minor as an OPD consultation.
"Because the risk of critical illnesses are higher in diabetic patients ". The sad truth about diabetes is that diabetic patients are at a higher risk of contracting critical illnesses. Some of the most common critical illnesses often faced by those diabetic include cardiovascular diseases and kidney failures.
Hence, it’s extremely important not only to control your diabetes with good medical care to avoid the same, from happening but to also be covered through it all with a sufficient health insurance plan.
"Because a good health insurance plan will ensure you’re always in check with your health through annual health checkups". Did you know that some health insurance plans, including one at Digit offer complimentary annual health checkups as part of a coverage benefit because let’s face it, how many of us would actually go for an annual health checkup unless it’s required?
Truth be told, annual health checkups are extremely important to ensure you are in check with your health cause more often than not, most diseases including diabetes are undiagnosed until the situation worsens.
A health insurance with annual health checkups will ensure this doesn’t happen.
Myths about Diabetes & Diabetes Health Insurance
"Diabetes isn’t covered in Health Insurance". This isn’t true. Coverage for illnesses and diseases differ from insurer to insurer. You’ve read this above for yourself.
Diabetes is covered in health insurance but is dependent on different conditions such as if you were diagnosed whilst buying your health insurance policy, the type of diabetes you have, your diabetes control levels and for how long you’ve had it, etc.
"Only fat people get diabetes". This isn’t true. Even those who aren’t obese are prone to getting diabetes and those obese aren’t always prone to the same either.
There isn’t a single reason why someone gets diabetes but a range of factors, including family history, sedentary lifestyle habits and other reasons that could lead to problems in glucose or insulin production or, and distribution in the body that eventually leads to diabetes.
"You get diabetes due to eating a lot of sweets!". No, while unhealthy and improper diet is a risk factor, too much sugar isn’t the only reason for someone being diagnosed with diabetes.
As mentioned above, diabetes can be caused due to a combination of different factors, including intra-uterine effects during birth, family history, lifestyle habits, not being physically fit, increasing age, high blood pressure and high blood cholesterol as well. In simple words, even if someone isn’t having too much sugar, they can still get diabetes!
"Diabetes happens to only older people". While it is true that those older (45+ years) are more prone to diabetes, a recent trend, especially in urban India, is that more and more younger people are becoming diabetic.
This is mainly due to the unhealthy lifestyle habits – including but not limited to not eating healthy food, not moving enough, i.e. not being physically fit, etc. Therefore, you can no more say that diabetes only happens to older people!
"You will get diabetes if your grandparents are diabetic!". While family history and genetics do have a role to play in one being diabetic, it isn’t the only reason and in fact, even those without any family history of the same can be diabetic.
Additionally, just because your grandparents or parents are diabetic doesn’t guarantee that you will be diabetic as well! You can read more about diabetes prevention and causes in our detailed diabetes health guide here.
"You should not tell your insurer that you are diabetic!". Unfortunately, a lot of people still have an untrusting attitude towards insurance. However, we’ve been trying to change that by being completely transparent with you, about everything.
Whether you’re buying health insurance with us or any other health insurer, not revealing your current and true health conditions will only cause problems and rejections in claims at a later stage or, even before that – whilst getting your initial medical tests done. That’s why it’s best to always be transparent.