Diabetes is a lifestyle disease that is commonly known to affect individuals between the age group of 25 and 60. It can even be a very expensive disease to treat which is the main reason that people need to be sufficiently insured if there is the slightest chance of contracting this disease because of a family history of diabetes. If any of the individuals are diabetic then they need to pay proper attention to their health in terms of different kinds of preventive measures and treatment and apart from this, they must also indulge in the right kind of purchasing of health insurance policies so that coverage can be easily available whenever required. Purchasing health insurance for diabetics is very much important for people because whenever it comes to the world of deciding how much insurance people need different kinds of things to be taken into consideration like age, gender and location.
Diabetes is more generally known to affect men rather than women and normally the claims are made by people who are between the age group of 36-60 years of age. Also, most of the claims are seen to be made from the major cities where the cost of medication is expensive in comparison to the smaller cities and towns.
Following are the most important things to be taken care of at the time of purchasing the health insurance for diabetics:
- People should purchase the cover as a preventive measure: If there is any kind of history of family diabetes then purchasing adequate cover at the earliest is the wisest decision which the people can take and apart from this people can also avail of a regular health indemnity plan which will be a standard hospital cover that will include diabetes. This particular cover will be far cheaper than a specialist health insurance cover for diabetes. It is also very much important for people to purchase a regular health plan which has a waiting period of 2-4 years for the existing ailments because diabetes might not cover across all stages. One can also add a critical rider to the basic health plan which will include diabetes in some of the cases. The critical rider plan can also be purchased as a standalone health cover. If the individuals are opting for this plan in the early ages of detection then they will get the coverage for the waiting period as well before the need for hospitalisation will arise.
- The people should pick the right plan: If the individuals have not been diagnosed yet with diabetes then they can purchase the regular indemnity plan but on the other hand, it is very much advisable for the people to never purchase the entire cover under this plan rather they should opt for a top-up plan or the critical illness plan in addition to the base policy. Ideally, the indemnity cover should be more than 10,00,00 rupees more than health insurance companies, diabetes and top-up plans are not that much expensive as the level indemnity plan. If the individuals go with the option of purchasing the family floater health insurance then they will save a lot on the premiums.
- The people need to be familiar with different terms: Different kinds of terms like type one diabetes and type two diabetes is very much important for the people to be familiar with because these will be different in terms of the condition of the patient. Type one diabetes normally affects children and teenagers and there are different types of plans available for both of these diabetes. In the cases of type two diabetes, the body is unable to use the insulin produced by the pancreas effectively and this particular condition is known as insulin resistance. So, this concept has to be taken into consideration by the people especially the cases of pre-existing diseases so that there is no issue at the later stages.
- It is important to be aware of the cashless treatment and inpatient care treatment: Under different kinds of emergency and insurance plans people can admit to any of the network hospitals and being aware of the network hospitals is also very much important for the people so that perfect decisions are always made at the time of purchasing the health insurance for diabetics. In case the individuals need to be hospitalised for more than 24 hours so that hospitalisation expenses, room charges addressing expenses are covered under the plan.
Hence, purchasing the perfect health insurance for diabetics from the house of Care insurance is very much advisable for the people so that people can avail several kinds of advantages in the long run and people also enjoy the worry-free treatment. With such plans there will never be a situation of financial crisis in the cases of medical emergencies.