Bharti AXA HEALTH INSURANCE Health Insurance For Diabetics About Diabetes Diabetes is a metabolic disorder in which your blood sugar or blood glucose levels become high. Normally, whatever you eat gets broken down into sugar or glucose, which then the same gets converted into energy by a hormone called Insulin in your body. However, if you have diabetes, the, in that case, your body either does not produce insulin or does not use it well. This leads to increased levels of glucose or sugar in your bloodstream. Diabetes is of two types, wherein a condition characterizes type 1, wherein your body does not make insulin, while in type 2, your body does not make enough or use insulin well. Type 1 diabetes is called insulin-dependent because of a complete lack of insulin in the body, while type 2 usually occurs in people after the age of 30, due to advancing age. Over time, if one does not take medical support for such a condition, then it can cause severe damage to eyes, nerves, and kidney. Diabetes also increases the risk of heart diseases like strokes and may even require removal of a limb. Gestational diabetes is also common among pregnant women. Exercise, taking a healthy diet, and weight control are some ways to keep your diabetes in control. You should also monitor your glucose levels regularly along with taking prescribed medicines, to reduce the risk of other related health challenges. Diabetes, Fastest Growing Disease In India Diabetes is one of the most talked-about conditions in the world. Characterized by high sugar or glucose levels in the blood, this disorder is caused due to absence or irregularities in insulin secretion. There are two types of diabetes, type 1 and type 2, wherein type 1 the body does not produce any insulin at all, while in type 2, the body does not provide much insulin or does not use it to the best. In both cases, there is a high level of sugar present in the patient’s bloodstream. India is called the ‘Diabetes Capital of the World’ with more than 50 million people suffering from type 2 diabetes. Moreover, this disease is fast catching up with even the younger generation nowadays, as WHO states that by 2030, about 87 million people in India will have diabetes. The reason behind Diabetes’s alarming growth rate is the lifestyle choices made by people these days. That is why doctors suggest changes such as exercising, not consuming aerated drinks, and taking enough sleep, to keep diabetes at bay. Moreover, since diabetes can further increase the chances of strokes and organ damage, it is essential to regularly monitor sugar levels daily and take proper medication to keep it in control. How Health Insurance Helps Diabetic Patients. Diabetes is a metabolic disorder in which a person suffers from high blood sugar or glucose levels in the body. This is due to insufficient or improper secretion of insulin by the pancreas, which regulates the breakdown of sugar into energy. This is a chronic illness that has long term effects on the body. Moreover, along with its symptoms, diabetes also increases the risk of other health issues like strokes and damage to eyes, kidney, and nerves. It is because of this reason that it is crucial for those having this illness to keep themselves secure against other ailments. Under the health insurance plan, diabetes is considered a pre-existing illness. So, firstly, you can get a health insurance policy even if you suffer from this chronic illness. However, the policy shall accept and settle your claim only after the expiry of the waiting period. So, with such a plan, if you meet with any diabetic-related health issue, then you will receive comprehensive financial coverage for the same. This will cover you for your treatment cost and medical expenditures. Moreover, you will also enjoy tax benefit as premium paid on such plan is deductible up to the limit of Rs. 25,000. Features Of Diabetes Health Insurance Diabetes Health Insurance is a specialized healthcare policy, which secures all those who suffer from high blood sugar levels. Diabetes, caused due to insufficient or improper insulin secretion, further becomes a cause for other grave ailments like heart stroke, loss of eye vision, and kidney damage. Therefore, diabetes health insurance covers you against the financial cost resulting from all diabetes-related problems. The insurance plan covers hospitalization costs related to any complications arising out of diabetes, such as renal failure and bypass surgery. Not only that, outpatient expenses incurred pre and post-hospitalization are also covered. You can either receive cashless claims or get reimbursement claims done. India is expected to have 123 million diabetes cases by 2040, according to estimation by the International Diabetes Federation (IDF). Since, Diabetes health insurance plan is a specialized plan that will provide immediate and comprehensive coverage for any complication or disease related to Diabetes, therefore, investing in this supplementary plan will be worth your money. Eligibility For Diabetes Health Insurance Plan You may need to undergo a medical examination based on underwriting guideline, which will establish your current health condition in front of the insurer. The insurer may also ask you certain questions related to pre-existing illnesses. You mustn't conceal anything from the insurer. As a diabetic, you may have to pay more premium, but not sharing this at the time of purchasing the policy is a breach of contract. Doing so may result in your claim getting rejected at a crucial time when you need financial assistance. 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