India is the second-largest holder of the diabetic population with approximately more than seven crore Indian patients being diabetic. The changing lifestyle, stress, diet and genetics have pushed diabetes-related deaths by more than 50% over the last 10 years and now this is the seventh most common cause of death in the nations like India. The treatment of diabetes is quite expensive and poor people cannot afford it because the cost is very much comprehensive and includes doctor consultations, glucose strips, surgeries, lab testing, medicines and several other kinds of components. So, it is very much important for people to move with proper planning and indulge in the right kind of health insurance for diabetes which is becoming more relevant day by day. Having a deeper understanding of the diabetes insurance plan is highly advisable for people so that they can make perfect decisions associated with their health and lifestyle.
The high cost of hospitalisation is relating to different kinds of issues for the human bodies which will lead to different kinds of complications like cardiovascular problems, kidney failure, stroke and various other kinds of issues. So, indulging in the right kind of preventive measures is highly advisable for the people and people must go with the option of purchasing the right kind of health insurance for themselves.
There will be two types of consumers:
1. All the people who are at risk of having diabetes but have not reached that particular stage yet.
2. The people who have been diagnosed with diabetes
For the ones who have risk, there is no need to worry at the time of taking the health insurance plan in India because there are several kinds of companies that do not enquire about the family history of diabetes in their questionnaire. So, there will be no problem at the time of purchasing the health insurance plan because most of these plans help to cover the hospitalisation if it occurs from diabetes in future. On the other hand, there is proper attention to be paid to the people who are suffering from type one and type two diabetes
1. The health insurance plans for type two diabetes: Diabetes is labelled as a self-managed disease among people which can be controlled with several kinds of changes in the lifestyle. This is very much true for all the patients who fall in the category of type two diabetes. Type two diabetes can be controlled with the combination of the right kind of diet, medication, exercises and utilisation of insulin effectively. Type two diabetes people always need to be cautious because they are at the risk of hospitalisation due to different kinds of complications. The health insurance companies always come with regular clients which have been traditionally said with the motive of providing help to all these kinds of people. There are generic as well specific plans available for type two diabetes for the people so that people can evaluate everything accordingly and can accept these proposals perfectly.
2. Health insurance for type one diabetes: There is no cure available for type one diabetes and this is a condition in which the body of the patient will be unable to produce the right amount of insulin and the insulin needs to be regularly injected into the body. This can be done through different kinds of injections into the stock several times a day and in some cases, people also need to indulge in the utilisation of the insulin pump. Further, it is very much important for people to indulge in regular blood testing of blood sugar because this is the most essential component of type and diabetes management as the levels will shoot up and will come to shoot down very quickly. So, finding the right kind of insurance plan which covers type two diabetes was very much difficult but type one diabetes is further tough.
So, the individuals need to study things perfectly and for this purpose, they need to go with the option of purchasing an add-on plan from their existing plans so that they can cover their overall expenditures perfectly without any kind of issue. One can always depend upon utilisation of the normal basic plan along with purchasing a rider plan that will help in converting the people with several kinds of advantages.
The choice of plan will always depend upon different kinds of factors in some of the factors include age, sub-limits, copayment, waiting period, the scope of diabetes coverage offered, current condition health, premiums of the policies and several other kinds of things which is the main reason that being aware of all these kinds of guidelines is very much important so that people end up purchasing the perfect product for themselves. Hence, at the time of purchasing the health insurance for diabetics from the house of Care insurance, it is very much important for the people to be clear about all the above-mentioned points so that they can take complete advantage of the whole concept.