Living with Diabetes is an uphill climb, especially in India where health care is not government-sponsored. Getting a sound health insurance plan is important. But this is not an easy task. Why? Because Diabetes is, unfortunately, not a disease which runs its course eventually. It is an illness that takes permanent residence in your body. It is a disease which takes permanent residence in your body. What’s more, once it settles in, it begins to do its real job. And that is to wreak havoc on all other vital systems.
Long-term complications include kidney failure, stroke, heart disease and eye damage. This is another reason why even the most accommodating insurance companies shy away from providing a comprehensive diabetes insurance plan. Don’t be disheartened. Even though Diabetes is labelled a “high risk” condition, the good news is that it can be controlled. The better news is that there are a few plans which cover it. Now breathe easy and read on. Which types of Diabetes are now covered by health insurance plans? Here, we have the best news for you. Insurance plans nowadays, e.g. Apollo Munich Health Insurance, cover the most common type – Type 2 Diabetes. In addition, this plan also covers Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT) and/or Hypertension. Appropriately titled their Energy Health Insurance Plan, it offers coverage from Day 1 itself for all hospitalisation due to this condition. What more can a patient ask for? What is wonderful about it is that it’s not only a passive insurance plan. It is more of a wellness plan to monitor your health continuously. Any Diabetes patient will attest to how important this is in their fight to control this disease. They further sweeten the deal by offering 25% discounted premiums if you can show that you manage and control your diabetes well. This is a wonderful double-edged benefit. Not only will your premiums cost less, but you have also taken giant leaps towards better health. Who all are eligible for this plan? This plan covers a very wide demographic, as this disease can strike at any time in one’s adult life. Since its effects are far-reaching and all-encompassing, it is even more important to be financially secure. Eligible ages are as low as 18 years and as high as 65 years. Let’s check out some benefits of this life-saving plan The sum insured ranges from 2 lakhs to 10 lakhs. This often proves enough to cover a host of life-saving procedures and medication. Even though we mentioned this one, it’s so important that we will say it again! The plan offers coverage of all hospitalisation due to Diabetes and Hypertension FROM DAY ONE. We highlighted this for good measure. If we had neon lights, we would have inserted them here. There are two variants to the plan – Gold (wellness test costs included) and Silver (without wellness tests). While the Silver plan is comprehensive in its own right, the Gold plan leaps above and beyond what a good insurance plan ought to be. And why not? Managing Diabetes is not short term. It is a permanent way of life. It has to be monitored and controlled for years on end. If one’s health plan assists in this, what’s not to love about it? The Gold plan thus offers an entire ecosystem of help in controlling this uninvited disease. A personal health coach will guide you throughout the term of your plan. He/she will prescribe the right diet, lifestyle and fitness plans tailor made to suit you. You will have access to a dedicated central helpline to guide you and resolve any concern. Now, help is just a phone call away. Control over your Diabetes is impossible without a steady stream of health supplements, monitoring machines and foods. Your plan offers you a health marketplace with hard-to-resist discounts on all items. You will be provided access to a wellness portal which stores all your medical records and history for quick access. Apollo Munich understands that your valuable time and energy should be spent taking care of yourself. They have removed all hassle from contacting them and offer many channels to touch base easily. They offer a live chat on their website during regular operational hours. In case you missed this, drop them a message, and they will call you back. Apollo Munich Health Insurance renewal is a dream. It’s an easy process with minimal steps on their website. Let’s sum up a few of the salient features from the Apollo health insurance reviews: Types of Diabetes covered Type 2, Impaired Fasting Glucose, Impaired Glucose Tolerance, Hypertension Eligible age 18-65 years Cashless claims Yes Tax benefits Yes, under section 80D Waiting period for claims None for Diabetes complications Renewal period 1 year
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