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
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:
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
Your plan type affects your premium amount.
Ayurvedic and Homeopathic Hospitalization Cover.
Free Preventive Health Checkup Every 3 Years.
Bariatric Surgery Cover.
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.
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.
You can avail all your health insurance benefits PAN India. Explore our vast network partners.
An Easy, Hassle-Free And Quick Procedure
Diabetes Health Insurance is a specialized Health Insurance Policy created specifically for diabetes-related health issues.
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 www.bajajfinservhealth.in.
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.
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