Health Insurance for Diabetes

A tailormade health insurance plan for individuals who already have the lifestyle disease and those who are at risk of the condition. A diabetes health insurance plan ensure you are protected against all diabetes-related medical expenses that arise from tests, doctor visits, hospitalization expenses and more.
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What is Health Insurance for Diabetes?

We, at Bajaj Finserv Health, believe that having a diabetes health insurance is key to maintaining good health for diabetes patients. Being diabetic doesn’t just mean that you have diabetes. It means that all the organs of your body are vulnerable to infections and illnesses. Your body is immuno-compromised; your disease-fighting cells become weak and ineffective even against minor infections. Some people are at more risk than others, like those with a family history of Diabetes. Therefore, a diabetes health insurance is a must-have.
health insurance for diabetes

Why do you need Health Insurance for Diabetes?

In India, having a diabetes health insurance plan is becoming a mandatory requirement. This is because as per WHO (World Health Organization), the prevalence of diabetes globally among the adult population, i.e., over 18 years of age is 8.5% as of 2014. Among the adult population in India, an estimated 72.96 million diabetes cases already exist, and their prevalence in urban areas is 10.9% and 14.2%. In contrast, in rural areas, it is 3 to 7.8% in the young population but much higher among individuals over 50. Source: INDIAB Study

  • As of 2019, the prevalence of diabetes is 11.8% in India
  • High % of diabetes among 70-79-year old at 13.2%
  • Type 1 diabetes increases by 3-5% in India each year
  • Type 2 diabetes increases by 8% on an average each year
  • Lifestyle, dietary habits, cholesterol, obesity, environment, pollution, etc. are some factors that contribute to a high number of diabetics in the country

5 reasons to buy diabetes health insurance from Bajaj Finserv Health

  • Expenses


    Healthcare expenses
    The plan covers your regular healthcare expenses like doctor consultation fees, lab test fees, preventive health check-ups, etc.

  • OPD Doctor Consultation


    Doctor consultation
    You get free online doctor teleconsultations. If you do not want to step out of the house or need medical intervention 24/7, you can consult top specialists online.

  • Network Discounts


    Network discounts
    You can avail network discounts across Bajaj Health’s vast network PAN India for doctor consultation, hospitalization, lab tests, hospital room rent, buying medicines, dental care, eye wear and more.

  • Cashless treatment


    Cashless treatment
    You can avail cashless treatment at network hospitals or get bills reimbursed at non-network hospitals, clinics, etc

  • Claim Settlement Ratio


    Easy Claim Settlement
    Claim settlement process is fairly easy and hassle-free. Claim settlement ratio is 92.1%

Features of Health Insurance for Diabetes in India

For someone who is a diabetic or is pre-diabetic, or is at higher risk of getting diabetes, they must get a diabetes health insurance plan. This plan should have must-have features like:

  • Minimum waiting period and maximum benefits; the standard waiting period is 12 months to 2 years and can sometimes be extended to 4 years
  • The number and relevance of the tests, specialists and services included in their packages and offerings.
  • Specialists that provide customized dietary plans, counseling on dealing with the different problems of diabetes, and a feasible exercise routine
  • Rewards and Incentives for achieving health goals and following the prescribed plan
  • Terms and Conditions that are most suited for your specific needs, income, and lifestyle

Benefits of health insurance for diabetes in India

Medical inflation is on the rise and each year, medical expenses get higher, and this tends to drain your personal savings. Plus, if a diabetic patient gets hospitalized, all savings my get used up. One of the best ways to afford best medical care is to get a health insurance plan . And for diabetic patients or the ones who are at higher risk of the disease, a diabetes health insurance works best.
It is known as a rich person’s disease for good reason. It's an expensive disease that requires lifelong medication, strict adherence to a proper diet, exercise, and timely medication. That’s why you need to have a specialized insurance plan created exclusively to suit diabetic patients that enables you to take the best, most economical way forward.

Doctor consultation fees


Lab tests


Hospitalization expenses cover


Pre-hospitalization cover and more


The Higher your BMI Higher your Chance to get Diabetes

Keep your health in check with our BMI Calculator

Height (cm)
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Why just health insurance? Get a complete Diabetes Health Insurance package!

Did you know that stress contributes to high sugar levels, and this is one of the major contributing factors to diabetes?

Diabetes is a common lifestyle disease today and you may get diabetes even if there is no history of the disease in your family. This is because is heavily influenced by your lifestyle. Therefore, to tackle the medical costs and healthcare expenses of such a condition, a specialized diabetes health insurance packages is require.

Having medical coverage significantly lowers medical costs, and therefore, stress. A specialized diabetes insurance package like ours ensures that you will always have a safety net from the surprises and obstacles the disease might throw in your way.

With the pandemic still dominating our lives, it has never been more urgent to get a solid diabetes health insurance cover.

So why not any generic health insurance plan?

A specialized diabetes health insurance plan that includes carefully curated test packages, consults, preventive health checkups, teleconsultation, and discounts is quicker, more economic and most importantly, relevant in a way that gives a clear picture of how your body is functioning in these circumstances. Take remedial and preventive measures as the situation demands. For example, if you have risk factors like a family history of diabetes or you are pre-diabetic, you can take steps that will enable you to prevent the onset of the disease and live life to the fullest.

To help you live your life uninterrupted, we provide a comprehensive diabetic health insurance package that supports you in every way possible. We have got, not just your proverbial back, but all of you with specialized benefits on doctor consults, preventive health check-ups, teleconsultation, and network discounts.


How to choose the right diabetes health insurance package for you?

When looking for the right diabetes health insurance package, you need to check for the following parameters in the package

Helps you beat medical inflation:Your diabetes health insurance package should cover the costs of tests, doctor visits, treatments, etc. so that it eases your financial burden.

Waiting period:Check the waiting period timeline so that you can avail timely treatments

Affordable premium:The premium you pay for your diabetes plan should be affordable

Cover for life support treatments:The plan should cover dialysis, cataract surgery, organ transplant, etc.

Covers all health tests : Blood tests like Lipid profile, kidney function test, liver function test, HB1AC, TSH, etc.

Cardiac health cover:This plan should also cover your heart health care & treatment.

Your 7-point Checklist for Selecting the Best Diabetes Health Insurance Plan

  • checklist-icons_ Cover amount

    Cover amount

    You need to check your cover amount so that you can get maximum amount as a claim in case of diabetes-related medical emergency. This cover amount is your sum insured.
  • checklist-icons_No Sub-limit

    No Sub-limit

    The sub-limit is a fixed cover amount for specific claims for specific illnesses or conditions. Ensure there is no sub limit in your diabetes health insurance policy.
  • checklist-icons_Co-pay vs No Co-pay

    Co-pay vs No Co-pay

    Co-pay means that you will have pay 10% of the cost incurred on your health claims and the rest will be paid by your insurer. You can choose either options. However, with co-pay, your premium is lower but you will have to shell out some money while with no co-pay, the premium is higher but your insurer pays complete claim amount.
  • checklist-icons_Waiting period

    Waiting period

    You need to be very careful regarding the waiting period in your policy. For pre-existing illnesses like diabetes, the waiting period can go upto 1 year. However, if you are diagnosed with diabetes within 3 months of the policy purchase, you can avail/claim benefits as per normal waiting period.
  • checklist-icons_Beyond hospitalization

    Beyond hospitalization

    You need to check what health and wellness benefits you will get as a part of your policy beyond hospitalization care.
  • checklist-icons_Brand Goodwill

    Brand Awareness

    Yes, a good brand is a big deciding factor when it comes to your health insurance plan. So, choose wisely.
  • checklist-icons_Claim Settlement Ratio

    Claim Settlement Ratio

    This is important as it shows the company helps process claims easily and in a hassle-free manner. Bajaj Finserv Health’s claim settlement ratio is 92.1%.
Myth Buster
Don't panic, just build your own package

Here are the coverage offered by Bajaj Finserv Health

What's Covered?
What's not Covered?
Lab tests

Lab Test Package (Prime network)

Apart from symptom-response tests, we have created packages of diabetes-specific tests in association with Bajaj Finserv Health Prime Partner Hospitals and labs which identify risk factors like lifestyle, age, and family history and allow you to take pre-emptive measures to safeguard against diabetes.

OPD Doctor Consultation

OPD/Doctor Consultation Benefit

Claim the OPD/Doctor consultation benefit for you and any member of your plan when you consult an Endocrinologist, Dietician or General Physician with a minimum degree of MBBS, BDS, BAMS, or BHMS for diabetes-related issues.

Teleconsultation Benefit

Teleconsultation Benefit

No need to step out during the pandemic, you consult your preferred doctor online via the Bajaj Finserv Health website or app via video, audio, or chat channel according to the frequency of consultation and up to the amount covered by your plan.

Choose diabetes health insurance coverage of your choice
5 lakhhealth insurance
5 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 38000 Rs.
10 lakhhealth insurance
10 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 56000 Rs.

Eligibility Criteria:

Minimum and Maximum Age Limit: 91 days is the minimum age limit required for an individual being enrolled in under the Diabetes Care Insurance Plan. There is no upper limit on eligibility based on age.

Pre-Existing Diabetes:medical checkup is mandatory for those being enrolled in the Diabetes Care Insurance Plan to determine if diabetes is a pre-existing condition or not.

Eligibility Criteria:

  • Eligible age

    Minimum & Maximum age
    91 days minimum age

  • Pre-diabetes check

    Pre-existing diabetes
    Mandatory medical checkup is required

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Don't worry about price, just check it

How to calculate health insurance premium?

  • Personal Details


    Enter your name and mobile number.

  • Family members


    Select the family members whom you want to insure.

  • Age of eldest member


    Enter the eldest member's age

  • Premium Calculated


    Get your premium

10 factors that affect your health insurance premium:

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Health Insurance is a must for any individual or family who are looking to secure their health and financial future. Owing to medical inflation in the recent years, the cost of medical treatment and procedures often drains one’s lifetime savings and acts a burden. However, getting a health insurance means adding a fall-back cushion to safeguard savings as well as get tax benefits.

As you apply for a health insurance plan, the insurance providers do a thorough check/assessment of your health. Basis your health status, they offer a premium amount for the plan.


Your age is a major factor on which the health insurance premium will be decided. Most companies follow this mantra – the higher the age of the insured, the higher the premium to be paid. This is because older people are prone to illnesses. It is advisable to buy a health insurance plan when you are younger to enjoy more benefits and pay a lower premium.


Your occupation or the nature of your work will also determine the health risks you may be exposed to. Given our hectic lifestyles and sedentary jobs, you will be prone to stress, anxiety, etc. which will lead to other health issues. So, for example, if you have a high stress job, your premium will be higher.

Medical history

Medical history plays a vital role too in deciding the premium. If you have a chronic illness, or have suffered from any past major illnesses, or if family history points to any pre-existing illnesses, your health insurance premium will go up.

Copay feature

If you have a co-pay feature in your health insurance plan, then your premium will be lower as a certain percentage of the medical costs will be borne by you and the rest by the insurance provider..


Habits. Yes, your habits matter a lot. For example, if you are a smoker, you are at risk of serious illnesses like cancer. If you drink regularly, you are at risk of chronic diseases. So, your premium will be higher.


Duration of your policy will also affect your premium. If have a longer duration for your policy, you will pay less premium.


Your BMI or Body Mass Index also affects your premium. If your BMI is high, then you are at a higher risk of chronic or lifestyle illnesses. This means you will pay a higher premium.


Location If you stay in locations where food, water, air quality is an issue, it will lead to serious health issues and therefore, your premium will be higher.

plan type

Your plan type affects your premium amount.

Why To Buy Health Insurance For Diabetes Online?

Ayurvedic and Homeopathic Hospitalization Cover.

Free Preventive Health Checkup Every 3 Years.

Bariatric Surgery Cover.

Zone-Wise Premium.

Lab Test Package (Prime network)-Take preventive/remedial measures against diabetes with a suitable lab test package.

OPD/Doctor Consultation Benefit-Get benefits on doctor consultations regarding diabetes and related health concerns.

Tele-consultation Benefits -Consult your doctor online via video, audio, or chat according to your convenience and safety.

Network discounts -10% discounts on across Bajaj Finserv Health Prime network of partner hospitals and labs.

How to buy health insurance for diabetes from Bajaj Finserv Health

  • Login


    Step 1
    Log on to the website or download the ‘Bajaj Finserv Health’ app on your phone and sign up.

  • Search for Diabetes Insurance


    Step 2
    Search for the Diabetes Health Insurance Plan.

  • Apply Now for Diabetes Health Insurance


    Step 3
    Click on ‘Apply Now’ and enter your basic details.

  • Confirm Application


    Step 4
    Check and confirm application by entering the OTP received on your mobile number.

  • Pay your premium


    Step 5
    Pay the premium via credit/debit card, UPI, mobile wallet, etc.

  • Get Details on Whatsapp


    You will receive the details of your membership via email/WhatsApp.

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All set to buy ?

Tax savings with Health insurance for diabetes

The Bajaj Finserv Health Diabetes Health Insurance plan comes with more than a comprehensive cover against diabetes. According to the Income Tax Act of 1961, under Section 80D, you also get tax exemptions on premiums paid for diabetes health insurance policies up to a certain limit.

Basically, up to a certain limit, the amount you spend on health insurance gets deducted from your income, thus lowering your tax burden.

  • As an individual you can claim a tax deduction of up to Rs 25,000 on insurance policies that include your family unit, i.e., you, your spouse, and your children.
  • When your insurance policy caters to your parents who are under 60 years of age, you can claim an additional, separate deduction of Rs 25,000. If your parents are above 60 years, you can claim Rs 50,000.
  • If both you and your parents are above 60 years of age, you can claim a deduction up to Rs 1,00,000
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An Easy, Hassle-Free And Quick Procedure

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!
India’s Leading Company
We have 98% Claim Settlement Ratio!
With the Bajaj Finserv Health Insurance plan, you can avail health benefits and hospitalization benefits across the vast Bajaj Finserv network partners PAN India.
Download the Bajaj Finserv Health app or go to and log in to your account.
Go to your health plan and select the benefit you want to redeem or get reimbursed.
Follow the steps and claim your health plan benefits instantly.

How to make cashless claims & reimbursements?

Cashless Claims
Approach Hospital
Approach Network Hospitals
Approach Network Hospitals for complete cashless facility & once details are verified, send the duly filed pre-authorization form to the insurer
Verification of all details
Verification of all details
The insurer will duly verify the details of the pre-authorization request with policy benefits and intimate their decision to the healthcare provider
Myth Buster

One useful tip just for you!

In Health Insurance plans , diabetes is considered as pre-existing condition and the waiting period ranges from 1 year to 2 years even. However, at times, the waiting period can go upto 4 years. Therefore, when buying a diabetes health insurance plan, get plan that provides Day 1 cover for the condition including test and diagnosis expenses.

Myths Busted

Myth #1: People already having diabetes cannot get a health insurance plan.

Truth: That is not true. You can get a health insurance plan even if you have a pre-existing condition like diabetes.

Myth# 2: Having diabetes raises health insurance premiums.

Truth: Health plans cannot discriminate based on your health status. Your monthly premium won’t be higher just because you suffer from diabetes nor will your annual or lifetime limit.

Myth #3: If I take medicines, control my diet and exercise, diabetes can never be a problem again.

Unfortunately, that is not the case. Diabetes can be controlled by these things, but it must be sustained. There is no guarantee that you will not face diabetic problems again. You need to be vigilant.
Hear It From Our Customers
Female, 23
Shivani Datt
This has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my parents at reasonable pricing. Also, with preventive health check-ups as a part of the plan, it is a very good purchase.
Male, 29
Rahul M
This Health Insurance has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my family at reasonable pricing. Also, with free lab tests and other hospitalization benefits, it is the best product to manage all healthcare expenses.


Diabetes Health Insurance is a specialized Health Insurance Policy created specifically for diabetes-related health issues.

2-4 years

Yes, like every other health insurance, Diabetes health insurance gives you tax benefits.

Yes. You can have more than one health insurance policy.

Yes. There are Diabetes Insurance plans for individuals as well as families and groups.

Apply for it on the website. For a comprehensive Diabetes health Insurance policy with Bajaj Finserv Health, sign up and apply at

Diabetes Health insurance is a specialized health insurance plan. The type of tests and consultation benefits are highly customized for diabetic patients. A generic Health Insurance plan covers a wide range of illnesses but lacks the kind of customization that a specialized plan offers.

If you want the benefits of a Diabetes health insurance policy, then yes. Your company’s group policy will not cover the specific dangers of diabetes. It depends on what you’re looking for and whether you have diabetes, are pre-diabetic, or are at risk.

Yes. If you already have diabetes, please declare it to your insurance agent.

To get health insurance plan for diabetes by Bajaj Finserv Health, log on to the insurance provider’s website and apply for it. With pre-existing diabetes, you will have a waiting period of 2-4 years before you can claim your insurance benefits.

It is a period given to a policy holder to review the insurance plan and ensure that they do want to go ahead with it since there won’t be 100% refunds after this period.

Price starting @
₹592 x 10 months

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