Best Health Insurance for Diabetics in India 2025

In addition to hospitalization coverage, health insurance for diabetes may extend to outpatient expenses, such as medical consultations and diagnostic tests. Some plans may also offer a Personal Accident cover, which provides payment in the event of accidental death of the insured individual.

List of Banks or Insurance Companies Providing Diabetes Health Insurance Plans:  

Diabetes health insurance is a specialized medical coverage designed to address expenses related to diabetes treatment and hospitalization. This type of insurance plan caters to high blood sugar levels resulting from inadequate insulin secretion in the body, which can lead to severe complications like renal failure, vision loss, and heart stroke.

With diabetes insurance coverage, you are safeguarded against the financial burdens arising from diabetes-related ailments. This personalized health insurance plan includes coverage for hospitalization expenses and outpatient costs incurred during both pre and post-hospitalization periods. Additionally, you have the flexibility to choose between cashless or reimbursement claims.

Aditya Birla Activ Health Enhanced Diabetes Plan:

1. The plan is a comprehensive insurance policy that includes coverage for diabetes and other pre-existing conditions like hypertension. 
2. The sum insured limit can go up to Rs.2 crore. Critical illness coverage for diabetes is offered under this plan.
3. The coverage is available for both individual and family floater basis.
4. Coverage benefits include medicines, diagnostic tests, and doctor's consultation fees for critical illnesses such as diabetes, asthma, and hypertension.
5. Daycare procedures like cataracts, dialysis, and chemotherapy are also covered under this plan.

Care Freedom Diabetes Health Insurance Plan:

1. The plan is a comprehensive insurance policy that includes coverage for both individual and family floater basis.
2. The sum insured ranges from Rs.3 lakh to Rs.5 lakh under this Care critical illness plan.
3. Coverage for dialysis treatment is provided with a claim limit of up to Rs.1,000 per sitting for a maximum of 24 months.
4. Health check-up facilities for Diabetes, including ESR, Blood Group, Lipid profile, Kidney function test (KFT), Liver function test (LFT), HbA1C, TSH, Hbs Ag, etc., are offered.
5. Cardiac health check-ups are also covered under the Care Freedom health plan.
6. Cataract and knee replacement surgery expenses are payable, subject to the specified sub-limits.

National Varistha Diabetes Mediclaim Policy:

1. This health plan is specifically designed for senior citizens in the age group of 60 years to 80 years.
2. Both hospitalisation and domiciliary hospitalisation expenses are covered under this insurance policy.
3. Coverage for diabetes and hypertension can be added as an add-on benefit.
4. Cataract surgeries are covered up to Rs.10,000, and Benign Prostatic Hyperplasia is covered up to Rs.20,000.
5. Domiciliary hospitalisation coverage is limited to 20% of the sum insured, except for diabetes treatment, which is not covered.
6. The coverage amount options available are Rs.1 lakh and Rs.2 lakh.

Star Health and Allied Diabetes Safe Insurance Plan:

1. This insurance plan is specifically designed for individuals aged 18 years to 65 years who are suffering from Diabetes Mellitus.
2. The plan covers hospitalisation expenses related to complications of diabetes, including room rent, nursing and boarding charges, anaesthetist and surgeon's fees, and the cost of medicines. The policy also provides 100% personal accident cover.
3. Modern treatments such as Oral Chemotherapy, Uterine Artery Embolization, HIFU, Robotic Surgeries, Immunotherapy, Bronchial Thermoplasty, Stem Cell Therapy (Hematopoietic stem cells for bone marrow transplant for haematological conditions), Intra Vitreal Injections, Green Laser Treatment, Holmium Laser Treatment, Deep Brain Stimulation, and Balloon Sinuplasty are also claimable under this policy.

HDFC Energy Diabetes Policy:

1. The HDFC Energy Diabetes Policy is specifically designed for people with diabetes
2. Day Care treatments are covered under the HDFC Energy Plan.
3. Insurance holders can avail up to Rs.2,000 for ambulance services under the HDFC Ergo Energy Plan.
4. Organ Donor expenses are covered.
5. The policy offers lifelong renewability.
6. A unique Wellness program provides insurance holders with a personal health coach to manage their health effectively.

ICICI AdvantEdge Diabetes Health Policy:

1. ICICI Health AdvantEdge is a flexible and customisable plan that provides various add-ons to meet the unique healthcare requirements of its customers.
2. Pre and post-hospitalisation expenses are covered under this plan.
3. The plan includes a wellness program that aims to encourage individuals to adopt a healthier lifestyle.
4. Insurance holders can avail of Domestic Air Ambulance coverage up to the sum insured.
5. The policy offers lifelong renewability, ensuring continuous coverage.
6. An annual health check-up is available as part of the plan, promoting preventive healthcare for policyholders.

Niva Bupa Diabetes Reassure 2.0 Policy:

1. This health plan offers three different variants: bronze, silver, and platinum. It is available for both individual and family floaters, with coverage for diabetes and hypertension from day one as an additional disease management feature.
2. High Sum Insured variants are available, ranging from Rs.5 lakh to Rs.1 crore, providing efficient coverage for insurance holders.
3. The plan offers unlimited e-consultations.
4. Personal accident benefits equal to five times the Base Sum Insured, up to a maximum of Rs.1 crore, are included.
5. Health check-up coverage is available from day one for customers.
6. Policyholders can avail of a second medical opinion for any condition in one policy year.

Navi Diabetes Health Insurance Plan:

1. The insurance policy provides coverage up to Rs.1 crore.
2. Unlimited online consultations are available.
3. Hospitalisation expenses, up to 100%, are covered for 90 days before hospitalisation and 180 days after hospitalisation.
4. Medical treatments at home for three or more days are covered.
5. Organ donor expenses are also covered.
6. The plan includes coverage for an air ambulance, up to Rs.5 lakh.

National Varistha Diabetes Mediclaim Policy:

1. The National Varistha Mediclaim Policy has a tenure of 1 year. The insured can renew the policy until the age of 90 years.
2. Hospitalisation is covered up to Rs.1 lakh, and critical illness is covered up to Rs.2 lakh.
3. 50% of the sum insured covers the cost of medicine, drugs, oxygen, blood, diagnostic charges, etc.
4. 1% of the sum insured covers hospitalisation expenses. 25% of the sum insured covers the fees of anaesthetists, surgeons, consultants, medical practitioners, etc.
5. Emergency ambulance charges are covered up to Rs.1,000 for each policy year.
6. Critical illnesses, including cancer, multiple sclerosis, stroke, etc., are covered even without the hospitalisation of the insured.
7. Pre-hospitalisation expenses are covered 30 days prior to hospitalisation, while post-hospitalisation expenses are covered for 60 days.

What is Covered?

Here is an overview of the coverage provided by diabetes insurance plans:

Note: The coverage offered by diabetes health insurance plans can vary among insurers and the specific type of insurance policy. It is essential to inquire with the insurer about the inclusions and exclusions of the health insurance plan before making a decision to purchase a policy.

What is not Covered?

Here are the exclusions typically found in diabetes insurance plans:

1. Other Pre-existing Diseases: Conditions other than diabetes that existed before purchasing the insurance plan may not be covered.
2. Self-inflicted Injuries: Injuries intentionally caused by the insured individual are not covered.

1. War-related Treatments or Hospitalisations: Medical expenses arising from injuries or illnesses due to war or war-like situations are excluded.
2. Cosmetic Surgery: Surgeries or treatments performed solely for cosmetic purposes are not covered.
3. Treatment of Obesity: Medical treatments for obesity, unless directly related to diabetes management, may be excluded.
4. Venereal or Sexually Transmitted Diseases: Medical expenses related to such diseases are typically not covered.
5. Hospitalisation without Doctor's Recommendation: Hospitalisation not recommended or deemed unnecessary by a qualified doctor may not be covered.

1. Prenatal and Postnatal Expenses: Medical expenses related to pregnancy and childbirth are excluded from diabetes insurance plans.
2. Type 1 and Type 2 Diabetes Coverage: Some plans may not provide coverage for both types of diabetes.

Note: It is crucial to carefully review the policy wordings to understand the specific inclusions and exclusions of the diabetes insurance plan before finalising the policy. 

How to Buy Diabetes Health Insurance Policy?

To purchase an insurance policy for diabetes, follow these steps:

1. Visit an insurance portal approved by the Insurance Regulatory and Development Authority of India (IRDAI) that allows you to search, compare, and buy policies easily.
2. Scroll down to the bottom of the page and click on ‘Buy Now’ to access a list of various insurance plans and companies.
3. Choose the insurance policy that best aligns with your financial and physical requirements.
4. Follow the provided instructions to proceed with the purchase.
5. You will be redirected to the insurance company's portal to make the payment using the available payment options.

1. After the payment is confirmed, you will receive the soft copy of your policy document via email.

Benefits of Diabetes Health Insurance:

The advantages of having health insurance for individuals with diabetes in India include: 

1. Coverage for hospitalisation expenses related to diabetes complications.
2. Reimbursement for out-patient expenses, including medical consultations and diagnostic tests.
3. Coverage for hospitalisation expenses arising from health complications not directly related to diabetes.
4. Compensation in the event of accidental death of the insured individual.
5. Tax benefits under Section 80D of the Income Tax Act.

Eligibility for Diabetes Health Insurance:

The eligibility criteria for diabetes health insurance coverage depend on the specific insurer and the chosen plan. Here are some of the typical eligibility requirements for opting for health insurance that covers diabetic patients:

1. Age: Generally, the age range for eligibility is between 18 years to 65 years. However, family floater health insurance policies may also cover children under 18 years and above 91 days.
2. Medical Test: Some insurers may require a medical examination to assess your current health condition before providing coverage.
3. Pre-existing Illnesses: You are required to disclose any pre-existing diseases, including diabetes, during the application process.

1. Waiting Period: The waiting period varies depending on the insurer and health insurance plan. For individuals with high blood sugar levels, there might be a waiting period of two to four years before coverage for diabetes-related ailments begins. If you do not have diabetes, the waiting period can be lower, possibly up to 3 months. 
2. Pre-existing Diabetes: Certain plans may offer coverage for only Type 1 or Type 2 diabetes.

Note: The eligibility details can differ significantly between plans and insurers. It is crucial to carefully read the policy document to understand the specific eligibility criteria and the terms and conditions associated with the plan you choose.