Health Insurance For
  • Importance Of Health InsuranceFor Diabetic Person
  • Diabetics Health Insurance Plans
  • Inclusions & Exclusions
Health Insurance For Diabetics
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Health Insurance For Diabetics

Health insurance is a necessity in the time we are living in. There are a host of ailments that can cripple our lives in many ways. One disease that can have a big impact on your life is diabetes.

It is a chronic disease in which the body finds it difficult to metabolize the sugars and starch, leading to a build-up of sugar in the blood, which can have a detrimental impact on the patient's health.

There are two types of diabetes – Type 1 and Type 2. In Type 1, the pancreas is attacked by the immune system and renders it unable to produce insulin, and in type 2, the pancreas itself cannot produce insulin to metabolize the sugars in the body. Over 77 million people in India have diabetes and according to the International Diabetes Federation (IDF), the number may reach 123 million by 2040, thus suggesting the need for diabetes insurance.


While health insurance policies are preferable, it is always better to purchase insurance policies that are specially designed to cover specific illnesses.

One such type of policy is the health insurance policy for Diabetes. Let's understand why this policy is recommended.

1 High Treatment Costs

Managing diabetes can be expensive due to regular doctor's visits, medications, and sugar monitoring. Even a slight delay in taking medicine can lead to hospitalization, which may lead to high treatment costs.

2 Specific Coverage

Regular health insurance policies have a waiting period under which diabetes is excluded for a particular period of time. Also, the waiting period may commence even during the policy renewals. Hence, to avoid such scenarios, a diabetes-specific policy will help you get the cover from the first day itself, thus avoiding the need for a waiting period.

health insurance for Diabetes

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Health Insurance Plans for Diabetics in India 2023

Below mentioned are some of the diabetes insurance plans that are specially designed by keeping the healthcare needs of a diabetic patient in mind. Have a look and choose the best health insurance for diabetics in India.

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Freedom (Pros)

  • Cashless Healthcare
  • No pre-policy check-ups
  • SI Recharge
  • Lifelong Renewability
  • 15-day free-look period

Care Freedom (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Freedom (Other Benefits)

  • 2 Plan variants
  • Consumable Allowance
  • Annual Health Check-up
  • Long Term Discounts
  • Dialysis Cover

Care Freedom (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

How Health Insurance Helps Diabetic Patients

Health insurance for diabetics allows individuals to look after their healthcare needs and helps them tackle diabetes. With an effective specialized diabetes insurance plan, one can ensure to avail of the best possible treatment.

  • Doctor expenses will be covered, allowing you to visit with the top physicians without being concerned about the consultation price.
  • A diabetes insurance plan covers the price of diagnostic costs, encouraging you to closely check your health status.
  • Instead of stressing about hospital fees and costly medicines, you may concentrate on your recovery thanks to health insurance for diabetics.

Premium Calculation Diabetics Health Insurance Plans

The premium for any health insurance policy, including a diabetes-specific policy, is dependent on various factors. Each insurance company takes into consideration various factors while calculating the premium, and these calculations are approved by the IRDAI.

Some of the basic factors that are considered while calculating the insurance premium are:

  • The age of the insured person
  • The medical history of the individual and/or his family
  • Pre-existing diseases

A few other subsidiary factors are:

  • Marketing expenses by the insurance company
  • Policy underwriting
  • Mortality rate
  • Investments (in case of ULIPS)

Inclusions and Exclusions

Following are the common inclusions and exclusions in any diabetes-specific policy:


  • Patients diagnosed with either Type 1 or Type 2 Diabetes Mellitus.
  • All complications arising out of diabetes.
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  • Mental and behavioural disorders.
  • Intentional self-injury by the insured that aggravates existing diabetes.
  • Cosmetic or aesthetic treatments.
  • Injuries caused by participating in professional sports like racing, scuba diving, aerial sports, or any other dangerous sports.

How To Buy an Insurance Policy For Diabetes? is an insurance portal that has been designed to allow you to search, compare, and buy an insurance policy in an easy and hassle-free manner. The portal has been approved by the IRDAI and is one of the best platforms to select insurance policies that suit your financial and physical needs. If you need to buy an insurance policy for diabetes, the following steps will help you in this regard:

  • Scroll down to the bottom of this page and click on 'Buy Now'.
  • You will get a list of all the different insurance plans and insurance companies.
  • Select the insurance plan that suits your needs and proceed with the instructions given.
  • You will be then taken to the insurance company's portal, where you can make the payment using the available payment options. Once the payment is verified, the soft copy of your policy document will be mailed to you.

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Health Insurance for Diabetics: FAQs

1. What documents do I need to submit to purchase a diabetes-specific policy?

The following documents need to be submitted:

  • Age proof
  • Identity Proof
  • Residence proof
  • Passport-sized photographs
  • Any other health-related documents requested by the insurance company

2. Does the diabetes insurance policy also cover treatments like diabetic retinopathy and diabetic nephropathy?

Yes, these treatments are also covered under the policy. You need to refer to your policy document to know additional details about these treatments.

3. Do all insurance providers cover Type 1 and Type 2 diabetes in their policies?

Generally, most of the insurance companies provide cover for both the types, however, you need to thoroughly go through the plan details as some companies just cover type 2 diabetes, and not type 1.

4. I want to purchase a diabetes-specific insurance policy, however, I wanted to know if it also covers hypertension, IGF, or ITG too, as many diabetics suffer from these ailments too?

Yes. Many insurance policies have been designed to cover some other ailments like hypertension, IFG, ITG, etc. along with diabetes. You can get information about these additional covers in your plan details.

5. Will my health insurance plan provide coverage against Diabetic Foot Ulcers?

Yes, you will get coverage against diabetic foot ulcers as per the company’s terms and conditions. Check with your insurance provider about your requirements.

6. Which is the best Diabetes Health Insurance plan available in India?

Choosing the best Diabetes Health Insurance can be a tough decision if you do not know what you are looking for. Compare all the available plans and check if they provide the coverage you need. Talk to your doctor about your healthcare requirements and choose the plan that suits you the best.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.