Diabetes Health Insurance

Diabetes is a chronic condition that reduces the production and effective use of insulin, the hormone that regulates blood sugar levels. It can impact your physical, mental and financial health. To manage diabetes, adopting dietary changes and exercise routines is a must.

To ensure financial support during this time, diabetes health insurance is recommended. With this health insurance for diabetic patients, you can get financial assistance for your unforeseen medical expenses due to this disease.

With Reliance diabetes health insurance, you can expect comprehensive coverage, a flexible sum insured, a cashless everywhere facility, and much more.

What is Diabetes Health Insurance?

A diabetes health care plan is a type of health insurance that helps you manage medical expenses related to diabetes. It covers costs of hospitalisation, tests, medications, treatments and much more.

Diabetes health insurance allows you to reduce your out-of-pocket medical expenses in case of emergencies. You can also customise your health insurance for diabetes to get more coverage and sum insured if you need it.

The key difference between a standard health plan and a diabetes health plan is the availability of extensive coverage for diabetic patients and its treatment-related costs.

Also Read - Diabetes - Causes, Symptoms, Health Insurance Coverage

Importance of Health Insurance for Diabetic Patients

Approximately 77 million people in India have Type 2 diabetes, and around 25 million are pre-diabetic. With the increasing costs of medicine and healthcare in India, having health insurance is necessary to get quality treatment without draining your savings.

Health insurance with diabetes cover is a financial safety net that helps people with diabetes manage their treatment and other medical expenses effectively. Here are the top reasons why having health insurance for diabetic patients is highly important today.

• Chronic Disease- Diabetes is a chronic disease that can have a major impact on one's life and overall well-being. Thus, having a financial safety net to manage this long-term health concern can help save a lot of money.
• Regular Check-Ups - Regular check-ups and blood tests are necessary to manage diabetes effectively. However, handling these costs without medical insurance can get expensive. With medical insurance for diabetics, you can reduce your expenses for these essential check-ups.
• Emergency Support - Diabetes can also lead to other health complications that might require urgent medical attention. Thus, having diabetes and health insurance together can still help you manage your extensive medical care needs during emergencies without any burden or hassle.
• Financial Assistance- No matter the type of emergency, health insurance for diabetes reduces the financial burden of managing treatment and other expenses.

Right Time to Purchase Diabetes Health Plan

Whether you have diabetes or not, having medical insurance for diabetes and other medical diseases and emergencies is highly recommended. Diabetes can be a disease that is being passed on for generations in your family or a result of poor lifestyle and eating habits.

Thus, the right time to purchase health insurance for diabetic patients and other individuals can be as follows -

If You are Non-Diabetic -

• As Early As Possible If you are a non-diabetic who wants to secure your financial and physical well-being at affordable rates, the right time to buy a health plan with diabetes coverage is as early as possible. The earlier you buy the plan, the lower the premiums will be.
• Family History of Diabetes If you are a non-diabetic who has a family history of diabetes, you must buy a health insurance plan with diabetes coverage even before the diagnosis. This will ensure you are well-protected when the condition arises.

If You are Diabetic -

If you have diabetes and health insurance is not yet in your plan, you should not delay the purchase further. You must buy type 1 or type 2 diabetes health insurance immediately to get the necessary medical and financial protection to manage your health with this chronic disease.

However, you must remember that most health plans have a waiting period for pre-existing conditions. Diabetes is a pre-existing condition under health insurance if you are diagnosed with it before policy purchase, so check policy inclusions and terms before purchase.

Types of Diabetes Covered in Health Insurance for Diabetes

• Type 1 Diabetes -It is an autoimmune condition where your body’s immunity system attacks the cells that produce insulin in the pancreas.
• Type 2 Diabetes -In this condition, the production of insulin in the body is either lesser than required or the body becomes resistant to insulin, resulting in poor blood sugar management.
• Gestational Diabetes -This type of diabetes only occurs during pregnancy. In this condition, the production of insulin is proper, but the hormones in the placenta restrict the proper usage of insulin for blood sugar management.

Who Should Consider Insurance Policy for Diabetes?

It is recommended to secure yourself with the best health insurance for diabetics as early as possible, regardless of whether you have been diagnosed with the disease or not.

This will not only keep your savings protected in case of emergencies but will also help you benefit from the following -

• Purchasing at an early age results in lower premiums due to the reduced risk of health diseases and other adverse conditions.
• Tax benefits under Section 80D of the Income Tax Act.

Reliance Health Insurance Plans with Diabetes Cover

Key Features of Reliance Health Insurance for People With Diabetes

What’s Covered in Reliance Health Insurance for Diabetic Patients?

• Pre-and post-hospitalisation expenses
• Ambulance charges
• Outpatient treatments (for plans with OPD cover add-on)
• Inpatient treatments
• Specialised treatments (with Reliance Health Infinity Plan)
• Doctor consultations
• Consumables cover (if the add-on is combined with the base policy)
• Diagnostic tests
• Preventive care assistance
• Medicine expenses
• Other treatment expenses related to diabetes
• Day care procedures

What’s Not Covered in Reliance Diabetes Health Insurance?

• Cosmetic procedures
• Self-inflicted injuries
• Other pre-existing conditions (specific to individual policy inclusions and exclusions)
• Any coverage claim during the waiting periods
• Rest or rehabilitation expenses
• Illness due to alcohol or other substance consumption
• Weight management support
• Gender change treatments
• Claims against policy exclusions

Eligibility Criteria for Health Insurance for Diabetic Patients

How to Choose the Best Health Insurance for Diabetics in India?

How to Buy Diabetes Health Insurance Policy Online?

• Step 1- Visit our website.
• Step 2- Choose “Health” on the main page and then enter your name, mobile number and pin code. Once done, click on “View Prices”.
• Step 3- Enter and verify the OTP sent to your mobile phone.
• Step 4- On the next page, select the type of coverage you want and combine add-ons as required.
• Step 5- Check the final premium and make the payment to buy diabetes health insurance.

Documents Required for Buying a Diabetes Health Insurance Policy

• Proof of Income - bank statements, salary slips, etc.
• Proof of Address - utility bills, rent agreement, Aadhaar card, etc.
• Proof of Identity - Aadhaar card, PAN card, passport, etc.
• Photographs
• Proof of C-KYC completion as per the IRDAI guidelines
• Medical reports, if any.

Claim Process for Health Insurance for Diabetes Cover

Cashless Diabetes Health Insurance Claim

Your cashless claims are settled with the hospital by us on your behalf. With our “Cashless Everywhere” facility, you can now file a cashless claim at any network or non-network hospital in India without any hassle.

• Step 1- Inform us regarding the claim within 24 hours for emergency cases under health insurance for sugar patients. You can do so by calling us at +91-22-1800-3009 or downloading our Reliance SeIf-i App.
• Step 2- Visit any network or non-network hospital and fill out the pre-authorisation form to submit the same to us for evaluation.
• Step 3- Get the desired diabetic treatment completed at the hospital.
• Step 4- Leave all the medical bills and reports with the hospital.
• Step 5- The hospital will share your bills and reports with us. Based on the expenses incurred, we will settle your claim directly with the hospital on your behalf.

Reimbursement Insurance Claim for Diabetes

For a reimbursement claim, you will need to pay the bills on your own and then get a reimbursement from us.

• Step 1- Register the claim with us by calling +91-22-1800-3009, sending an email to rcarehealth@relianceada.com or downloading our Reliance Self-i App.
• Step 2- Go to any hospital of your choice and get the required treatment.
• Step 3- Once done, pay all the bills and collect their payment receipts, your medical reports, and other invoices and documents related to your treatment.
• Step 4- Submit clear scanned copies of all the payment-related documents to us within a maximum of 7 days after discharge.
• Step 5- We will verify your claim and reimburse the applicable claim amount to your registered bank account. (Please note that all the copayments and deductibles need to be paid by you.)

Also Read -Cashless Hospitalisation Vs Reimbursement In Health Insurance

Factors Affecting Diabetes Health Insurance Premium

• Age- One of the main factors for diabetic insurance premium calculation is age. Young adults with good health and lower risk of medical diseases and illnesses benefit from lower premiums than older individuals who have a higher risk of such diseases.
• Mode of Policy Purchase- Depending on the mode of purchase between online and offline health insurance for sugar patients, the premiums can vary. The online process is quick, convenient and attracts lower premiums due to various discount schemes.
• Type of Plan - Your health insurance premium for diabetics is also affected by the type of plan, sum insured value and policy tenure you choose.
• Add-Ons- Depending on the type and number of add-ons you combine with your base policy, the premium can go up or down. The more the add-ons, the higher the premium, and vice versa.
• Lifestyle Habits- If you are a regular smoker or drinker, the premium for your diabetes health insurance plan will be higher than someone with no such habits.
• Pre-Existing Conditions - Along with diabetes, if you have any other pre-existing conditions, your premium will be higher. However, if you do not have any pre-existing conditions, the premium may be lower.

Also Read -Understanding Health Insurance Premiums: How Age Affects Your Costs

What Is the Waiting Period for Diabetes Health Insurance?

To file a claim for diabetes health insurance, you must know the waiting period applicable to you. Here is all you need to know.

• If you are non-diabetic, the initial waiting period applicable to you is 30 days (if you are diagnosed with diabetes).
• If you are diagnosed with diabetes before you purchase health insurance ​for sugar patients, the waiting period applicable to you is 3 years.

Frequently Asked Questions About Diabetes Health Insurance

• What documents are required to file a claim under medical insurance for diabetics?

The list of documents include -

• Claim form
• Medical reports
• Medicine bills
• Discharge summary
• All payment invoices/receipts
• Doctor’s prescription, etc.
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• What happens if I forget to renew my health insurance for type 1 diabetes?

If you fail to renew your diabetes health insurance, you will risk losing coverage for medical emergencies, lose the No Claim Bonus benefit, and end up with higher premiums for a new policy.

• What is the standard policy tenure for health insurance for diabetic patients?

The standard policy tenure for some of the best health insurance for diabetics in India is 1 year. However, for continuous coverage for a longer duration, you can also explore 2 and 3-year plans available at Reliance General.

• Can you list some discounts under Reliance Health Plans for diabetic coverage?

Some discounts available under Reliance Health Plans with diabetic cover include -

• 10% off if you have an existing plan with Reliance General.
• 10% off if you buy a health plan online.
• 12% off if you buy a 3-year health insurance policy.
• 5% off if you have any other category of insurance policy from Reliance General, etc.


• ​​​Which Reliance Health Plan offers lifetime renewability?

Plans like Reliance Health Gain Insurance, which covers diabetes-related medical expenses, offer lifetime renewability for maximum convenience.

• What is a No Claim Bonus benefit in diabetes health insurance?

A No Claim Bonus benefit in diabetes health insurance is a discount scheme wherein you benefit from discounted premiums for every consecutive claim-free year at the time of policy renewal. The discount rate can go up to 50% off, so file claims responsibly.