The Importance of Diabetes Coverage in a Health Insurance Plan - ET HealthWorld

The Importance of Diabetes Coverage in a Health Insurance Plan – ET HealthWorld

The Importance of Diabetes Coverage in a Health Insurance Plan

By Priya Deshmukh Gilbile

Diabetes is known to be one of the most common chronic diseases which, if left untreated, can lead to serious health issues, such as heart disease, vision loss, and kidney disease. Alarmingly, India has the second largest adult diabetes population in the world. According to the Indian Council of Media Research (ICMR), almost one in six people with diabetes worldwide are Indians.

Whether they are susceptible to diabetes cannot be known for certain, as it depends on a variety of factors including age, weight, family history, genetic makeup, and most importantly, lifestyle habits. This chronic disease can even become fatal, which is why people should opt for a health insurance plan that covers diabetes. By doing so, they can keep both – their finances as well as their health in check. Moreover, a health insurance plan acts as an investment against unforeseen circumstances that can arise at any time and throw a person’s family into terrible financial crisis.

On World Diabetes Day, let’s explore some of the crucial benefits of a health insurance plan that covers diabetes.

Benefits of health insurance with Diabetes coverage

Financial coverage: Hospitalization costs today for treatment for a serious illness or chronic illness can cause a significant drop in your savings. Thus, in the face of sudden hospitalization, health insurance with adequate coverage guarantees the management of all your health expenses even though the prices of hospitalization and medication are exploding each year. Sufficient health coverage protects against undue stress, thereby safeguarding your long-term financial goals, helping you stay healthy, and providing long-term financial security.

Condition Management Program: Diabetes or another chronic disease can prevent a person from leading a normal life. Therefore, some insurers offer a built-in condition management program as part of their specialist health insurance plan, which allows you to track your current health status and rewards you for making positive improvements to your health and condition. welfare. At the end of the program, “health scores” are calculated based on the improvement in your health parameters, and you also get valuable reward points that can be used as a discount in the renewal bonus, which helps to make it easier and more affordable. to help you manage your diabetes. And that means you have less to worry about on your journey to better health.

Shorter waiting period: If one is diagnosed with diabetes before purchasing insurance coverage, it is considered a pre-existing condition, in which there is a waiting period of two to four years, depending on the insurance provider. Additionally, insurance options for clients with chronic conditions are very limited. However, if you do a good research, you will come across specialized health insurance plans on the market that also cover conditions such as diabetes, hypertension, asthma, obesity and dyslipidemia. Moreover, the waiting period is shorter by only 90 days. This plan is good for people with diabetes because it not only gives you insurance, but a complete world of care.

Unlimited Tele-Consultation including specialists:
Some specialist health insurance plans offer unlimited teleconsultations in major Indian languages ​​with doctors, including specialists, to help take better care of one’s health and ensure comprehensive protection. The teleconsultation advantage helps to keep an eye on one’s health, ensuring immediate care 24/7.

Annual health check: The majority of health insurance plans on the market offer a free annual health check each year of insurance (including the first year), for all insured adults who have reached the age of 18. This plan is complementary for you and mainly offered on a cashless basis only. Thus, it is important to look for insurance that offers an annual health check, as a proactive approach to health.

To conclude, if one already has a health insurance plan in place, it is a good idea to review the coverage. On the other hand, if you do not have health insurance, it is essential to take out specialized health insurance as soon as possible in order to preserve your physical, emotional and financial health at all times.

By Priya Deshmukh Gilbile, COO, ManipalCigna Health Insurance

(DISCLAIMER: The views expressed are solely those of the author and ETHealthworld does not necessarily endorse them. shall not be liable for any damage caused to any person/organization directly or indirectly)

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