March 26, 2018
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A Low-Down on the Health Insurance Plan for Diabetes

India is known as the diabetes capital of the world. This indeed comes as a challenge, with around 50 million individuals in the country suffering from this disease. According to the International Journal of Diabetes in Developing Countries, India is witnessing an increase in the incidence of this disease.

Understanding diabetes

Diabetes may be defined as a medical condition where the human body is unable to properly control the sugar amount in the blood. This mainly happens due to insufficient insulin levels. The two major types of diabetes are—type 1 and type 2 diabetes. Those with a lack of insulin are said to suffer from type 1 diabetes, while those who have low levels of insulin or who are unable to use insulin effectively are said to suffer from type 2 diabetes.

Individuals suffering from both, type 1 and type 2 diabetes may require medical treatment to effectively bring their sugar levels under control. Given the rising medical inflation, treatment costs may turn out to be financially burdensome. In order to seek coverage against such out-of-pocket expenses, you may consider investing in a diabetes health insurance. Besides, you may opt for such a policy, as such expenses may keep recurring.

Scope of coverage

Most diabetes health plans provide coverage against certain disease-specific costs. Following are five basic expenses that are covered under a diabetes health insurance plan.

  1. Coverage against doctor’s consultation fees

In order to receive medical aid for the treatment of your diabetes, you may visit your local doctor. You may also consider visiting a specialist in treating diabetic patients, also known as a ‘diabetologist.’ The cost of consultation may be high and may burn a huge hole in your pocket. In order to seek coverage against such high consultation fees, you may purchase health insurance for type 1 diabetics as well as type 2 diabetics.

  1. Coverage of diagnostic tests

There are numerous health assessment tests, which you may have to undertake to identify the onset of diabetes. Purchasing a diabetes health insurance cover allows you to undergo various diagnostic tests without any additional costs.

  1. Coverage against hospitalization expenses

In an event that your condition requires hospitalization, you may have to pay a huge sum towards your hospital bills. The good news is that medical insurance for diabetics covers hospitalization expenses such as nursing charges, room rent cost, and bed charges, among others. You may, therefore, focus on receiving quality treatment instead of worrying about arranging for finance.

  1. Coverage against cost of medicines

You may purchase the best medicines available in the market and rely on your health insurance provider to cover costs for the same. By doing so, you may reduce your financial liability.

  1. Benefit of a wellness coach

Some health insurance providers offer the benefit of a wellness coach as well. These coaches guide you towards a healthier and better you. They provide guidelines to follow so that you may combat your diabetes effectively.

Considering the above benefits of a diabetes health insurance plan, you may invest in one at the earliest. By doing so, you may enjoy coverage against any expenses arising while treating this medical condition.

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