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Understand Health Insurance and Diabetes

The number of individuals suffering from diabetes is increasing by the day. According to the World Health Organization (WHO), India currently has the highest number of diabetics in the world. It is estimated that the number of individuals in India suffering from diabetes will increase to around an alarming 79.4 million by 2030.

Understanding diabetes mellitus

Diabetes mellitus is a chronic disorder where an abnormally high amount of sugar glucose is present in the blood. This is mainly due to two reasons – either the pancreas is unable to produce sufficient quantity of insulin or due to inadequate sensitivity of the cells to the action of insulin. Since diabetes is a chronic condition, it requires frequent visits to the doctor. A diabetic patient may have to run diagnostic tests from time to time and may require treatment as well.

Given the rising cost of medical inflation, treating diabetes may turn out to be an expensive affair. For this purpose, you may consider investing in a health insurance plan that offers coverage for diabetes. Such a plan comes with a host of features and offers numerous benefits, thus allowing you to enjoy the comprehensive coverage. You may, therefore, remain financially secure at all times and have peace of mind, knowing that you are covered against high medical expenses associated with the treatment of diabetes.

Conditions to be eligible for a chronic disease cover

In order to avail of the benefits of a chronic disease management program, it is necessary to meet the basic eligibility criteria. Some insurance providers offer coverage as early as 91 days since birth. Besides, there is no maximum entry age, thus allowing those in the older age group to avail of the benefits of such a policy. Children who wish to be covered may opt for a floater as dependents.

Benefits of a chronic disease program

It is imperative to understand the benefits of a chronic care management program. Following are five major advantages of investing in a health insurance plan covering chronic diseases.

  1. Coverage against doctors consultation

Diabetes specialists may charge a high fee for consultation. Since you may have to visit your medical practitioner more than often, you may seek coverage under a chronic disease management plan. Such a policy offers coverage against high doctor’s consultation fees.

  1. Coverage of diagnostic tests

There are numerous diagnostic tests required to detect and monitor diabetes such as glucose test, blood test, lipid profile, fluid deprivation test, and blood glucose monitoring test, among others. The cost of such tests may result in a financial strain. You may, therefore, opt for a chronic disease health plan, wherein the insurance provider will bear such expenses.

  1. Coverage against the cost of medicines

The high cost of medicines for the treatment of diabetes may result in a serious burden on you and your family. A chronic care management program takes care of diabetes-associated medicines, thus allowing you to focus on your recovery instead of worrying about high medicine costs.

  1. Coverage against hospitalization costs

Like most health insurance plans, a chronic disease management cover provides financial protection against hospitalization expenses. An important aspect to keep in mind here is that you are required to complete the waiting period, after which you may enjoy the benefit of inpatient hospitalization coverage.

  1. The benefit of a wellness coach

In order to help you march towards a healthy life, some insurance providers offer the benefit of a wellness coach. These coaches guide you into achieving your health goals and help you control your condition effectively. They provide advice on making lifestyle changes, eating a healthy diet, doing regular exercise, and having regular health check-ups, among others.

You may, therefore, invest in a chronic disease management program and avail of the numerous benefits such a plan has to offer. By doing so, you may manage your diabetes without any hassles and live healthily.


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