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Consider these 6 things while buying a health plan for diabetics in 2022

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Life can be anything but sweet, if you are suffering from diabetes. This disease, caused by high blood sugar, needs timely attention and strict monitoring. You also need to make several changes to your diet and lifestyle to make sure that the condition stays under control. Plus, you need the right kind of mediclaim policy, so that you are financially covered in case of a medical emergency. But first, let’s learn more about the disease.

What is Diabetes?

It occurs when the body either becomes resistant to or doesn’t produce enough insulin. This hormone, produced by the pancreas, is responsible for controlling the amount of glucose in the bloodstream. So, while buying a health insurance policy for diabetic patients, just any standard policy won’t do. Here are 6 things to consider while purchasing diabetes health insurance.

1. Understanding the availability for coverage:

A major part of finding the right policy lies in research, and to be able to research well, you need the right information to begin with. So, the first step should be about the type of diabetes and the kind of coverage it will require. If the condition requires insulin injections, the coverage will be different from when injections are not needed.

2. Buy diabetes-specific plans:

While a 25-year-old who eats healthy and works out regularly may not need a health plan with too many features, their diabetic parents can’t afford to settle for a basic plan. They need a customised diabetes health insuranceplan that can take care of complications arising because of diabetes.

3. Minimum waiting period:

Generally, health plans have a waiting period for different diseases. And diabetes being a pre-existing disease, can have a waiting period of 12, 24, or 36 months, depending on the insurer. Expenses related to this ailment will not be covered during this period, and so, one must always opt for a smaller waiting period.

4. Chronic care management programme:

It controls the effects of diabetes. As part of this programme, the patient receives health coaching and nutrition counselling. The health coach reviews the lifestyle of the patient and suggests modifications to keep complications away. Then periodic check-ups are done as part of the policy to make sure that the patient is doing well.

5. Buy as early as possible:

This is another way of wading through the waiting period without any hassles. If you have been diagnosed early, buy a customised policy immediately. By the time you may require treatment, your waiting period will be long over.

6. Check for terms:

Don't just focus on the inclusions and exclusions of the policy.You must go through the terms and conditions of the diabetes health insurance plan carefully to ensure your claims are not rejected at the last minute. Always go for a trusted name in the insurance sector with a high claim settlement ratio.

Conclusion

Diabetic patients spend a big sum annually on medications. Thanks to advancements in medical procedures and equipment, most diabetes-related complications are resolved easily, but the downside is that the cost of treatment has also increased exponentially. Hence, take a robust diabetes health insurance plan that can take care of your finances and let you focus on your health.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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