{"id":13373,"date":"2023-10-03T13:44:31","date_gmt":"2023-10-03T08:14:31","guid":{"rendered":"https:\/\/www.fitterfly.com\/blog\/?p=13373"},"modified":"2023-11-13T11:08:44","modified_gmt":"2023-11-13T05:38:44","slug":"how-to-choose-the-right-diabetes-insurance-plan-in-india","status":"publish","type":"post","link":"https:\/\/www.fitterfly.com\/blog\/how-to-choose-the-right-diabetes-insurance-plan-in-india\/","title":{"rendered":"How to Choose the Right Diabetes Insurance Plan in India?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Purchasing an insurance plan is like making a promise to be there when you need it the most. With the number of people with <\/span><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC8725109\/\"><span style=\"font-weight: 400;\">diabetes in India soaring sky-high and a projected number of 134 million in 2045<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">diabetes medical insurance can come in handy.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\n    &lt;div class=&quot;col-lg-12 col-sm-12 col-xs-12 nopadding calculator-cta&quot;&gt;\n        &lt;div class=&quot;cal-card-list&quot;&gt;\n            &lt;div class=&quot;cal-card blue&quot;&gt;\n                &lt;div class=&quot;cal-card-info&quot;&gt;\n                    &lt;h4&gt;Diabetes Reversal&lt;br&gt; Calculator&lt;\/h4&gt;\n                    &lt;p&gt;To know your chances of&nbsp; Diabetes reversal, take the Diabetes Reversal Test&lt;\/p&gt;\n                &lt;\/div&gt;\n                &lt;div class=&quot;cal-btn&quot;&gt;\n                    &lt;a target=&quot;_blank&quot; href=&quot;https:\/\/www.fitterfly.com\/hybrid-reversal-calculator-blog?utm_source=Reversal_Calculator_blog&amp;utm_medium=blog&amp;utm_campaign=Reversal_Calculator_Blog&quot; class=&quot;white-btn&quot;&gt;Check&lt;\/a&gt;\n                &lt;\/div&gt;\n            &lt;\/div&gt;\n        &lt;\/div&gt;\n    &lt;\/div&gt;\n    &quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14851,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:11982760},&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:2764340},&quot;15&quot;:&quot;-apple-system, BlinkMacSystemFont, \\&quot;Segoe UI\\&quot;, roboto, \\&quot;Helvetica Neue\\&quot;, helvetica, arial, sans-serif&quot;,&quot;16&quot;:10}\">\n    <div class=\"col-lg-12 col-sm-12 col-xs-12 nopadding calculator-cta\">\n        <div class=\"cal-card-list\">\n            <div class=\"cal-card blue\">\n                <div class=\"cal-card-info\">\n                    <h4>Diabetes Reversal<br> Calculator<\/h4>\n                    <p>To know your chances of&nbsp; Diabetes reversal, take the Diabetes Reversal Test<\/p>\n                <\/div>\n                <div class=\"cal-btn\">\n                    <a target=\"_blank\" href=\"https:\/\/www.fitterfly.com\/hybrid-reversal-calculator-blog?utm_source=Reversal_Calculator_blog&utm_medium=blog&utm_campaign=Reversal_Calculator_Blog\" class=\"white-btn\">Check<\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stay with us as we guide you into choosing the right<a href=\"https:\/\/www.fitterfly.com\/blog\/everything-you-need-to-know-about-diabetes\/\"> diabetes<\/a> health insurance for you or your family in India.\u00a0<\/span><\/p>\n<h2><strong>What is Diabetes Medical Insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">First things first, <\/span><span style=\"font-weight: 400;\">is diabetes covered under health insurance? Yes, health insurance policies commonly offer diabetes coverage. <\/span><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/books\/NBK567967\/\"><span style=\"font-weight: 400;\">Health insurance for people with diabetes<\/span><\/a><span style=\"font-weight: 400;\"> in India offers extra protection for expenditures related to the disease, such as medications, tests, and treatment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It supplements normal health insurance by addressing the special needs of people with diabetes.\u00a0<\/span><\/p>\n<h2><strong>Understand Your Diabetes Type:<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Assess your diabetic status before exploring insurance options. Understand your diabetes type, your current health status, and your anticipated medical needs.<\/span><\/p>\n<p><strong>1. Diabetes mellitus type 1<\/strong><\/p>\n<p><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC6661119\/\"><span style=\"font-weight: 400;\">Type 1 diabetes<\/span><\/a><span style=\"font-weight: 400;\"> usually occurs early in life and needs insulin for its treatment. As a result of the associated risk factors, term plan premiums for such people will be higher.<\/span><\/p>\n<p><strong>2. Diabetes mellitus type 2<\/strong><\/p>\n<p><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/books\/NBK513253\/\"><span style=\"font-weight: 400;\">T<\/span><span style=\"font-weight: 400;\">ype 2 diabetes<\/span><\/a><span style=\"font-weight: 400;\"> commonly occurs in adults but can be seen at an early age too. It can be managed by both oral medicines and insulin, along with lifestyle modifications.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> It is easier to effectively manage, resulting in reduced term plan premiums. <\/span><a href=\"https:\/\/lifeinsurance.adityabirlacapital.com\/articles\/life-insurance\/life-insurance-policies-for-diabetics\"><span style=\"font-weight: 400;\">Premiums may rise if insulin dependence is required for diabetes management<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&lt;div class=&quot;col-lg-12 cta-block cta-mob col-sm-12 col-xs-12 manage-diabetes-cta&quot;&gt;\n                    &lt;div class=&quot;cta-body&quot;&gt;\n                        &lt;div class=&quot;row&quot; &gt;\n                            &lt;div class=&quot;col-lg-8  col-sm-8 col-xs-12&quot;&gt;\n                                &lt;strong class=&quot;cta-heading&quot;&gt;No more stress while managing diabetes&lt;\/strong&gt;\n                                &lt;p class=&quot;cta-content&quot;&gt;Don\u2019t struggle alone &amp; get the expert care you deserve&lt;\/p&gt;\n                            &lt;\/div&gt;\n                        &lt;\/div&gt;\n                            &lt;div class=&quot;cta-form&quot;&gt;\n                            &lt;input type=&quot;hidden&quot; value=&quot;Manage Diabetes&quot; id=&quot;category_name&quot;&gt; \n                                &lt;div class=&quot;row&quot;&gt;\n                                    &lt;form autocomplete=&quot;off&quot; class=&quot;&quot;&gt;\n                                        &lt;div class=&quot;col-lg-4 col-md-4&quot;&gt;\n                                            &lt;div class=&quot;form-group&quot;&gt;\n                                                &lt;input type=&quot;text&quot; id=&quot;name&quot; placeholder=&quot;Enter Name&quot; class=&quot;form-control input-md&quot;  onkeypress=&quot;return (event.charCode &gt; 64 &amp;&amp; event.charCode &lt; 91) || (event.charCode &gt; 96 &amp;&amp; event.charCode &lt; 123) || (event.charCode==32)&quot;  required&gt;\n                                                &lt;span class=&quot;error&quot;&gt;Required&lt;\/span&gt;\n                                            &lt;\/div&gt;\n                                        &lt;\/div&gt;\n                                        &lt;div class=&quot;col-lg-4 col-md-4&quot;&gt;\n                                            &lt;div class=&quot;form-group&quot;&gt;\n                                                &lt;input type=&quot;number&quot; id=&quot;mobile&quot; onkeypress=&quot;if (this.value.length &gt;9) return false;RestrictFirstZero(event)&quot;  onkeydown=&quot;return (event.which &gt;= 48 &amp;&amp; event.which &lt;= 57) || event.which == 8 || event.which == 46&quot; type=&quot;number&quot; minlength=&quot;10&quot; maxlength = &quot;11&quot; placeholder=&quot;Enter Contact No.&quot; class=&quot;form-control input-md&quot; required&gt;\n                                                &lt;span class=&quot;error&quot;&gt;Invalid number&lt;\/span&gt;\n                                            &lt;\/div&gt;\n                                        &lt;\/div&gt;&lt;div class=&quot;col-lg-4 col-md-4&quot;&gt;\n                                            &lt;div class=&quot;form-group&quot;&gt;\n                                                &lt;input type=&quot;email&quot; id=&quot;email&quot; placeholder=&quot;Enter Email&quot; class=&quot;form-control input-md&quot;&gt;\n                                                &lt;span class=&quot;error&quot;&gt;Invalid Email Id&lt;\/span&gt;\n                                            &lt;\/div&gt;\n                                        &lt;\/div&gt;\n                                        &lt;div class=&quot;col-lg-12&quot;&gt;\n                                            &lt;div class=&quot;cta-button&quot;&gt;\n                                                &lt;button id=&quot;save-data-CRM&quot; type=&quot;button&quot; class=&quot;btn&quot; style=&quot;color:#fff !important;&quot;&gt;Talk to a Program Advisor&lt;\/button&gt;\n                                            &lt;\/div&gt;\n                                        &lt;\/div&gt;\n                                    &lt;\/form&gt;\n                                &lt;\/div&gt;\n                            &lt;\/div&gt;\n                    &lt;\/div&gt;\n                    \n                    &lt;img class=&quot;cta-img&quot; src=&quot;https:\/\/www.fitterfly.com\/blog\/wp-content\/uploads\/2022\/08\/6.png&quot; alt=&quot;A Smiling man with folded hands&quot; title=&quot;A Smiling man with folded hands&quot;&gt;\n                &lt;\/div&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:2764340},&quot;15&quot;:&quot;inherit&quot;,&quot;16&quot;:10}\"><div class=\"col-lg-12 cta-block cta-mob col-sm-12 col-xs-12 manage-diabetes-cta\">\n                    <div class=\"cta-body\">\n                        <div class=\"row\" >\n                            <div class=\"col-lg-8  col-sm-8 col-xs-12\">\n                                <strong class=\"cta-heading\">No more stress while managing diabetes<\/strong>\n                                <p class=\"cta-content\">Don\u2019t struggle alone & get the expert care you deserve<\/p>\n                            <\/div>\n                        <\/div>\n                            <div class=\"cta-form\">\n                            <input type=\"hidden\" value=\"Manage Diabetes\" id=\"category_name\"> \n                                <div class=\"row\">\n                                    <form autocomplete=\"off\" class=\"\">\n                                        <div class=\"col-lg-4 col-md-4\">\n                                            <div class=\"form-group\">\n                                                <input type=\"text\" id=\"name\" placeholder=\"Enter Name\" class=\"form-control input-md\"  onkeypress=\"return (event.charCode > 64 && event.charCode < 91) || (event.charCode > 96 && event.charCode < 123) || (event.charCode==32)\"  required>\n                                                <span class=\"error\">Required<\/span>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"col-lg-4 col-md-4\">\n                                            <div class=\"form-group\">\n                                                <input type=\"number\" id=\"mobile\" onkeypress=\"if (this.value.length >9) return false;RestrictFirstZero(event)\"  onkeydown=\"return (event.which >= 48 && event.which <= 57) || event.which == 8 || event.which == 46\" type=\"number\" minlength=\"10\" maxlength = \"11\" placeholder=\"Enter Contact No.\" class=\"form-control input-md\" required>\n                                                <span class=\"error\">Invalid number<\/span>\n                                            <\/div>\n                                        <\/div><div class=\"col-lg-4 col-md-4\">\n                                            <div class=\"form-group\">\n                                                <input type=\"email\" id=\"email\" placeholder=\"Enter Email\" class=\"form-control input-md\">\n                                                <span class=\"error\">Invalid Email Id<\/span>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"col-lg-12\">\n                                            <div class=\"cta-button\">\n                                                <button id=\"save-data-CRM\" type=\"button\" class=\"btn\" style=\"color:#fff !important;\">Talk to a Program Advisor<\/button>\n                                            <\/div>\n                                        <\/div>\n                                    <\/form>\n                                <\/div>\n                            <\/div>\n                    <\/div>\n                    \n                    <img decoding=\"async\" class=\"cta-img lazyload\" data-src=\"https:\/\/www.fitterfly.com\/blog\/wp-content\/uploads\/2022\/08\/6.png\" alt=\"A Smiling man with folded hands\" title=\"A Smiling man with folded hands\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 298px; --smush-placeholder-aspect-ratio: 298\/380;\"><noscript><img decoding=\"async\" class=\"cta-img\" src=\"https:\/\/www.fitterfly.com\/blog\/wp-content\/uploads\/2022\/08\/6.png\" alt=\"A Smiling man with folded hands\" title=\"A Smiling man with folded hands\"><\/noscript>\n                <\/div><\/span><\/p>\n<h2><strong>The Ideal Features of the Best Health Insurance Plan for Diabetes<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">The Indian insurance market offers a variety of <\/span><span style=\"font-weight: 400;\">diabetes medical insurance plans. Studying each separately is too confusing. Here are the key points suggested by our experts that you should check out:<\/span><\/p>\n<h3><strong>1. The Extent of Diabetes Coverage<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">All types of diabetes should be covered. Also, regular <a href=\"https:\/\/www.fitterfly.com\/blog\/what-is-hba1c-why-do-i-need-to-do-it\/\">HbA1c tests<\/a>, insulin supplies, and emergency hospitalisation\u2014every aspect of diabetic care should come under a diabetes health insurance plan.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><strong>2. Coverage of Diabetes Complications<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Diabetes often snowballs into complications like eye problems like retinopathy, nerve problems, kidney issues, heart diseases, stroke, diabetic foot infections, etc. The <\/span><span style=\"font-weight: 400;\">diabetes medical insurance plan should have specified options and terms to take care of these unforeseen health issues.<\/span><\/p>\n<h3><strong>3. Minimum Wait Period<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">The best plans should have no waiting period or one that is as brief as possible for conditions like diabetes. Immediate or early coverage is necessary for the best diabetic control.<\/span><\/p>\n<h3><strong>4. Reimbursements for Insulin and Other Supplies<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">If you are advised to take insulin shots for diabetes management, ensure that your plan encompasses the expense of insulin and required supplies, such as syringes or insulin pens.<\/span><\/p>\n<h3><strong>5. The Network of Hospitals and Rules for Hospitalisation<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Make sure that the insurance provider has an extensive list of healthcare providers, especially those with expertise in handling people with diabetes. When a patient is hospitalised for diabetes-related issues, the costs of the hospital stay, surgeries, and intensive care unit care should all be covered.<\/span><\/p>\n<h3><strong>6. Easy Claim Process<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">It is essential to have an easy and hassle-free claim process. A <\/span><span style=\"font-weight: 400;\">diabetes health insurance plan<\/span><span style=\"font-weight: 400;\"> should have a simple procedure for submitting and handling claims.<\/span><\/p>\n<h3><strong>7. Budget Friendly\u00a0<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">This goes without saying, always understand your co-payment options and premium plans before purchasing <\/span><span style=\"font-weight: 400;\">diabetes medical insurance. The best health insurance for diabetics in India should have a minimal co-payment, particularly for costs associated with diabetes. <\/span><span style=\"font-weight: 400;\">Also, ensure that the premiums to be paid are easy on your pocket.<\/span><\/p>\n<h3><strong>8. Periodic Health Check-ups and Investigations<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Regular check-ups, consultations, and medications are critical for diabetes control. Look for plans that provide regular health check-ups, foster early detection, and check for potential diabetic complications.<\/span><\/p>\n<h3><strong>9. Partnered Wellness Programmes<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">This is a fairly new yet very striking feature. Look for plans that partner with multiple diabetes wellness solutions, apps, and solutions that help with regular monitoring, patient wellness, and support programmes.\u00a0\u00a0<\/span><\/p>\n<h3><strong>10. Maternity Support<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Keep an eye out for a plan that also covers <a href=\"https:\/\/www.fitterfly.com\/blog\/gestational-diabetes-or-gdm-what-every-mom-to-be-needs-to-know\/\">gestational diabetes<\/a> during pregnancy. This is an often overlooked issue during maternity care and hospitalisation, but it should be addressed as well.<\/span><\/p>\n<h3><strong>11. Reputed Customer Support<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Research the track record of the insurance provider in terms of customer care, online support, and easy-to-reach modes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a fair idea of some of the ideal features of the best health insurance plan for diabetes, let us understand if you need to sign up for one.<\/span><\/p>\n<h2><strong>Why Purchase a Diabetes Medical Insurance?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">It is critical to have health insurance that covers diabetes in all its finer details. Here\u2019s why:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial protection for all the rising expenses of diabetic needs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Helps customise your insurance plans to your specific diabetic issues<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adds value and quality to your diabetic care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Streamlines checkups and tests<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers costs in cases of emergencies like a diabetic coma<\/span><\/li>\n<\/ol>\n<h2><b>Fittertake<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you are looking for a diabetes medical insurance plan or your insurance has partnered with us, then consider consulting our expert diabetologists on Fitterfly&#8217;s <\/span><a href=\"https:\/\/www.fitterfly.com\/fitterfly-diabetes-care-plan?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=diabetes\"><span style=\"font-weight: 400;\">Diabetes Care Programme<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">You can also directly <\/span><a href=\"https:\/\/bit.ly\/3Q3XOZ2\"><span style=\"font-weight: 400;\">sign up<\/span><\/a><span style=\"font-weight: 400;\"> for our programme if you wish to know more.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To know if you can reverse your diabetes, try our <a href=\"https:\/\/www.fitterfly.com\/diabetes-reversal-calculator?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=blog\">Fitterfly Diabetes Reversal Calculator<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Without much adieu, speak with us by just dialing a missed call at <a href=\"tel: 08068507599\"><strong>08068507599<\/strong><\/a>, and we will definitely get back to you. Together, let us make the journey towards healing from diabetes more healthy and enjoyable. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Purchasing an insurance plan is like making a promise to be there when you need it the most. We guide you into choosing the right diabetes health insurance for families in India.<\/p>\n","protected":false},"author":1,"featured_media":13384,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":""},"categories":[1],"tags":[],"acf":{"reviewed_by":false,"references":null,"author":"","table_content":null,"medically_reviewed":5784,"show_updated_date_in_post":"No","faq_list":null,"custom_schema":"","media_url":"","reviewer":null},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/posts\/13373"}],"collection":[{"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/comments?post=13373"}],"version-history":[{"count":0,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/posts\/13373\/revisions"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/reviewers\/5784"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/media\/13384"}],"wp:attachment":[{"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/media?parent=13373"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/categories?post=13373"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fitterfly.com\/blog\/wp-json\/wp\/v2\/tags?post=13373"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}