Q. I am 25 years old. What are the main benefits or coverage options I should prioritize when purchasing health insurance with a family history of diabetes in mind? What value do custom plans offer?
If you have a family health history of diabetes, you have a higher chance of developing prediabetes and diabetes.
In addition to having a family history, Indians are more genetically prone to this disease. Sedentary lifestyle and eating habits are pushing more young Indians towards pre-diabetes and diabetes.
Insurance cover for diabetes
Good insurance plan with a rider for diabetes to take care of a hospital arising from complications related to diabetes.
It is important to make sure your insurance includes organ transplant cover, as unmanaged diabetes can cause serious damage to organs, such as the kidneys. Also, make sure you have cataracts coverage and be aware of any coverage limitations, as diabetes can accelerate the development of cataracts.
Customized plans for diabetes
The main thing people (living with diabetes or caring for parents with diabetes) should consider is their health care plan the diabetes can be controlled effectively and could not be a risk in the hospital.
Access to a good general practitioner, diabetes expert, and nutrition specialist is important. These experts can understand your unique health risks and recommend medication and lifestyle changes.
A customized plan should have two goals:
1) keep you healthy and out of hospitals.
2) protect your savings in case you are in hospital.
If you’re getting health cover for diabetes, it’s a good idea to have an outpatient coverage in your policy. People with diabetes need regular check-ups, tests and dietary advice. Choose a health plan that pays for these costs.
Matilde Giglio, Co-Founder & Chief Operating Officer, Even Healthcare
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Updated: 16 November 2023, 10:16 AM IST
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