Claim the Diabetes Cover in Pre-Existing Disease Health Insurance

In a country like India, where the number of diabetic patients is extremely high, even after considering the current stats only a limited number of insurance providers are offering insurance concerning the needs of diabetes patients. Although a lot of insurance companies do offer term insurance for diabetes, still not many insurers are ready to offer a comprehensive health insurance cover for diabetes.

Well, this is because even after considering the complications associated with diabetes, there are greater chances that the policyholder might outlive the duration of the health insurance. Therefore, after thoroughly considering the expenses incurred by diabetic patients for treatment and medications, insurance companies are unsure about offering these patients a comprehensive cover that can handle these expenses.

What Do You Mean by Diabetes Health Insurance?

A health insurance plan covering diabetes offers coverage for treatments and hospitalisation expenses arising because of diabetes. Moreover, diabetes health insurance can also be referred to as a comprehensive health insurance policy that includes a cover for diabetes and other health complications arising due to it. 

Claiming Diabetes Cover in Health Insurance 

Claim for diabetes in health insurance can be made by the individual, in case they are suffering from an injury, or worsening of their health due to not being able to manage diabetes reasonably, or failing to diagnose diabetes. There are many easily identifiable symptoms of diabetes like excessive thirst, frequent, weight loss, and blurred vision. You can file a claim for diabetes health insurance in the following ways:

1. Reimbursement Claim

Inform your insurance provider if you get hospitalized for more than 24 hours. Then, you need to provide information regarding hospital bills and all other necessary documents, to initiate the reimbursement process.

2. Cashless Claims

Select a network hospital from the list provided by your insurance company. Then, at the hospital desk, show your e-health card and request for the cashless claim form. If all the information is relevant, then your claim will be processed.

Reasons Why Diabetes Health Insurance is Important

Highlighted below are a few reasons to buy diabetes health insurance coverage:

1. Expenses

The healthcare expenses of diabetes are generally high because of the regular expenses involved, besides associated health risks and complications. However, health insurance offering diabetes coverage will ensure better management of finances.

2. Critical Illness Benefits

The risk of contracting critical illnesses is higher in diabetic patients. Diabetic patients often face diseases such as kidney failure, cardiovascular diseases, etc.

3. Annual Health Check-Ups

Annual health check-ups are significant to make sure that you are fit and in case there is an existing disease, then to trace it on time for recovery. As many illnesses such as diabetes go unnoticed, hence annual check-ups are extremely important.

4. Increasing Medical Expenses

There is a rise in medical expenses every year, even if you are not prone to diabetes, it is highly significant to get yourself insured with a health insurance plan. A health insurance plan would offer coverage to an insured person against all kinds of diseases and illnesses, even for a minor consultation such as OPD.