We often come across people who are diabetic. As a matter of fact, diabetics has become so common these days that we can find this disease even in younger people. As per some reports, there are already around 70 million people in the country who are diabetic. As estimated by the World Health Organization, at least 45% of the population will be diabetic by 2030.
Diabetes is not a deadly disease like cancer but it can take a serious toll on your health as well as expenses. You would be required to spend at least INR 5000 to INR 9000 every month. And this is the amount only for consultation, diagnostic tests, and medicines. Since it is something unavoidable once you are diabetic, you can at least find a way out to take care of the expenses a bit. You can buy health insurance as you will not have to worry a lot about the expenses. Here are some of the top benefits that diabetic patients can get out of buying a health insurance policy.
- Controlling hospital expenses – Diabetes is more of a semi-permanent condition rather than a completely curable disease. This meansthat it needs to be managed strictly to avoid further damage to the body and its various systems. While living with diabetes, sometimes it is unavoidable to perfectly prevent all the damage to the various organs, resulting in a visit to a hospital and even possible hospitalization. The health insurance makes sure that in case you end up being hospitalized frequently, your hospital expenses are covered by the insurance company and your finances do not go haywire.
- Diagnostic fees – If you are a diabetic, you must prioritize taking a health insurance plan that can cover certain diagnostic fees. This might include periodic full body checkup that is carried out every 6 months or certain tests being covered by the insurance provider. Several plans can diabetics help you achieve that. You can also see if the insurance provider already has a tie-up with pathology labs so that they can get the tests processed on priority or get a lesser turnaround time.
- OPD coverageand medicine cost – There are several health insurance plans these days that provide full OPD coverage to a certain extent. Since Diabetes is one of the ailments in which you may need to regularly consult with your doctor, even if just to review your medical reports, it can add up to cost a lot of money. With the plans that cover the OPD charges, you can rest easy and do not avoid or delay your doctor visitations. Similarly, the medicine cost provided by your health insurance can save you a lot of money diabetics in the long run since diabetes patients often need to take medicine before or after each meal.
- Cashless treatment – Every health insurance provider has a set of network hospitals and clinics. The benefit of going to a networked hospital is that you can easily go to the hospital any day and get treated without having to pay a single rupee in cash. The bill to a certain extent is already received, approved, and cleared by the insurance provider. This can be a big relief if you have to visit a hospital in an emergency and get admitted.
- Coverage for other ailments – Diabetes does not come alone. Several other diseases such as hypertension, kidney damage, cardiovascular diseases, eye damage, skin conditions, hearing impairment, impaired healing, etc are frequently associated with having diabetes. A comprehensive health insurance diabetics policy can cover these conditions as well, providing substantial protection to your health.
If you are looking for some of the best health insurance for diabetes, you can head to the IIFL website and compare the features of various health insurance plans. Once you are convinced of the right plan, you can invest your money into a health insurance policy and be worry-free.
