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These insurance plans are special for sugar and blood pressure patients, know the premium

Health Insurance: Sugar (Diabetes) and blood pressure (HypertensionDiseases like ) have become common now. There is hardly any family in India in which not a single person is suffering from any of these two diseases. If a person suffering from diabetes and blood pressure goes for health insurance, then the same policy should be taken which is specially designed for such people. If you do not inform the insurance company about the pre-existing diseases at the time of taking insurance, then your claim can also be rejected. Amit Chhabra, Head of Health Insurance at Policy Bazar says that anyone with a history of diabetes can take two types of plans:

Comprehensive Health Insurance Policy

These are plans with no restrictions, like no co-pays, or room rent limits, etc. These plans generally have a waiting period of 1-4 years for diabetes coverage. For diabetic patients using tablets, these plans may be advised as there are no restrictions on them. According to Chhabra, for diabetics using insulin, most of these plans are not available, in which case they can opt for diabetes specific plans.

diabetes specific plans

These are diabetes special plans that provide initial coverage (including coverage on the first day of diabetes) and are available for diabetics using both tablets and insulin. Chhabra says that many of these plans also have restrictions such as room rent limits or co-payments. These plans are generally more expensive than comprehensive health insurance policies.

What is the premium for a comprehensive health insurance policy?

Comprehensive Health Insurance Premium for a 35 yr old Male with PED (Diabetes/hypertension) | Sum Inured 10 Lac
Insurance company Plan annual premium waiting period
Care Health Insurance NCB super premium 10069 4yrs for existing illness
Niva Bupa Health ReAssure 9590 3 yrs waiting period for existing illnesses
Star Health Insurance Star Comprehensive 11476 3yrs reduction in existing illness waiting period (optional)

Premium for diabetes specific plans

Health Insurance Diabetes specific plan for a 35 yr old Male | Sum Inured 5 Lac
Insurance company Plan annual premium waiting period
Care Health Insurance Care freedom for Diabetes 11858 2yrs
Aditya Birla Active Health Platinum Enhanced (Diabetes) 14949 Day 1 cover for Diabetes
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