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Best Insurance Policies For Diabetic Patients In India

Published On Oct 21, 2020 5:30 AM By Harshit pandey

Diabetes is often considered to be one of the deadliest diseases that can prove to be life-crippling over a certain period of time. As per the Hindu reports, this chronic disease has reached a staggering amount of over 77 million patients in India and is expected to reach 123 million by 2040. 

Falling under the “high risk” category, diabetes is either mostly written off as a pre-existing disease or is considered non-eligible for claims. In this article, we have listed the health insurance plans that are specifically designed for the diabeic patients. 

Importance of Having Diabetes Insurance Plan

In case you are planning to purchase an insurance policy, ensure that your insurer provides coverage over diabetes as it has the following benefits:

1.It Helps With Costly Treatment

Diabetes patients need to stay in touch with their doctors for regular monitoring and treatment of their disease. Having periodical treatments, visits & screening can prove to be a costly affair. Therefore, having an insurance policy proves to be a protective financial help.

2.These Plans Come With No Waiting Period  

Regular health insurance policies are infamous for their waiting period under which diabetes is generally excluded for a brief period of time. Moreover, policyholders can also face problems over commencement, even during policy renewals. Therefore, having a diabetes-specific policy helps avoid such waiting periods and provides cover from the first day itself. 

Listed below are some of the diabetes insurance plans in India that cover the holders over several levels of this chronic disease: 

Best Health Insurance Plans For Diabetes

Insurance Company  Plan Name Applicable Age Group
ICICI Prudential  Diabetes Care 25-60 years
Star Health Insurance Diabetes Safe 18-65 years
National Insurance Varshita Mediclaim 60-80 years. Renewable up to 90 years of age. 
HDFC Ergo General Insurance HDFC Ergo Energy  18-65 years

1. ICICI Prudential Diabetes Care

The Diabetes Care policy provided by ICICI prudential gives 15 days to review the policy and has the following features :

  • Applicable to the patients of Pre-Diabetes or Type 2 Diabetes.
  • Fixed-term of 5 years.
  • Covers applicants after 28 days of insurance.

2. Star Health Diabetes Safe

The Star Health Diabetes Safe is available with individual and floater options. The policy has following features:

  • Applicable for patients that have Diabetes Mellitus or are at risk of the same.
  • Covers all diabetes complications from 1st day of the policy.

3. National Insurance Varshita Mediclaim

The plan is primarily designed for the elderly and the policy has following features:

  • Applicable to the patients of Type 2 Diabetes, Hypertension, ITG, and IFG.
  • Pre-existing Diabetes is covered at an additional 10% of the premium.
  • Domiciliary hospitalization limited to 20% of the covered amount.

4. HDFC Ergo-Energy Plan

HDFC Ergo Energy Plan has the following features:

  • Applicable to patients suffering from Type 2 Diabetes, ITG, Hypertension, and IFG.
  • Pre-hospitalization expenses covered up to 30 days.
  • Post-hospitalization expenses covered for 60 days following discharge.
  • Covers 182 day care procedures.

Listed above were some of the best buy plans for a diabetes patient in India. However, you can also consider exploring other diabetes-specific policy options by keeping these basic factors in mind:

  • Age of the insured person
  • Policy Underwriting
  • Medical history
  • Underlying diseases  
  • Mortality rate


As stated above, there are various options for you to choose from. Having the right plan for diabetes helps you fight the disease and ensures your financial safety in your battle with the chronic disease.

While having an insurance policy is a reliable option, you should also focus on natural ways to tackle this disease, as having a good & healthy lifestyle helps keep your sugar levels in control.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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