Diabetes is a chronic health condition owing to the body’s inability to adequately digest carbohydrates and starches. As a result, sugar levels in the blood begin to rise to high levels. Well, the effects are always on the negative side.
Diabetes is normally categorized into 2 types: type 1 and type 2 diabetes. When the pancreas gland loses its ability to produce insulin naturally, it helps develop Type 1 Diabetes. Type 2 diabetes develops when the pancreas is unable to create enough insulin to properly digest the sugars taken. Also, in this condition, the cells stop responding to insulin properly and deny taking enough sugar. It is critical to get diabetes under control, regardless of the kind. Otherwise, it might lead to major medical problems such as kidney failure, heart disease, blindness, and amputation of the lower limbs.
And believe us, treating these illnesses can be a costly affair!
Here comes diabetes health insurance into the picture that covers the treatment expenses and ensures quality health care.
Wait…
Are you getting the right coverage? How would you be sure enough that your insurance company will come to your rescue in times of need?
That’s why you should ask a few questions before signing on the dotted line. here you go:
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Why should I Get a Policy?
Health insurance for diabetes patients will make it easier for one to manage the hefty costs incurred due to diabetes treatment. A diabetes health insurance policy covers doctor visits, diagnostic test costs, medication costs, and hospitalisation costs. Because diabetes is a chronic disease, these medical costs repeat, making it crucial to buy a diabetes policy . These plans include both types of diabetes, including health insurance for type 1 and type 2 diabetics.
What is the Procedure for Filing a Claim?
The procedure for filing a claim for health insurance for diabetes patients is the same as it is for other policies. The claim should be filed within the given window under cashless and reimbursement category. If you have enrolled in a cashless plan, the insurance company will pay the hospital bills directly. In case the treatment is taken from a non-network hospital, the hospital bills are to be paid by the insured initially, where the insurer will reimburse the incurred expenses by settling the reimbursement claim.
Does Diabetes Health Insurance Cover Type 2 Diabetes ?
As health issues related to diabetes require immediate attention, it is always recommended to double-check if your health insurer covers both the types. Usually, a diabetes health insurance policy should cover both Type 1 and Type 2 diabetes, it is wise to re-confirm before buying a policy.
Is it Necessary to Notify My Insurance Company that I have Diabetes?
If you’re looking to buy health insurance for diabetes patients, then you must notify your insurance company as soon as you are diagnosed. This will help you maintain the trust and get the policy with better coverage.
What Expenses are Covered under Diabetes Health Insurance?
Health insurance for diabetes patient covers the following costs:
- Doctor’s consultation fee
- Diagnostic tests
- Prescription costs
- Hospitalisation expenses
What is the Maximum Amount of Coverage Offered?
The fundamental health insurance for diabetes patients plan provides coverage of up to Rs 10 lacs. You can get coverage up to Rs 2 crore if you choose the upgraded plan.
Reputed insurance providers, such as Care Health Insurance, recognise the unique needs of diabetics and thus introduce diabetes health insurance to cater to the needs of every person.