Diabetes and Hypertension Cover

Diabetes and Hypertension Cover
Diabetes and Hypertension Cover
Diabetes has been steadily increasing in India. With over 65 million cases in the country, this condition has become a significant health concern. Managing health expenses can be challenging, and insurance coverage can help with financial planning.

Key Benefits:

• Provides financial support for health-related treatments, covering inpatient care, daycare treatments, pre- and post-hospitalisation expenses, and more

• Coverage extends to advanced treatments like robotic surgeries and stem cell therapy (up to 50% of the sum insured)

• No cap on room rent or ICU charges

• Covers home treatments if advised for more than three consecutive days

• Get up to ₹3 lakhs of coverage starting at just ₹599/year

Product Specifications And Features:

• In Patient Care: Upto SI

• Day Care Treatment: Upto SI

• Pre Hospitalization Expenses: 30 days

• Post Hospitalization Expenses: 60 days

• Domestic Road Ambulance: Upto 2000 per hospitalization

• Donor Expenses: Upto SI

• Modern Advance Treatments: Upto 50% of SI

• AYUSH: Upto SI

• Domiciliary Hospitalization: Upto SI; if it continues for more than 3 consecutive days

• Pre Existing Disease (Only Diabetes and Hypertension): 90 days

• Room Rent: No limit

• ICU Charges: No limit

Suitable For:
["Individuals aged 18 to 55 years", "Individuals with diabetes and hypertension"]

Safety Information:

• Non-medical items are not covered

• Treatments taken at excluded providers are not covered

• Sexually transmitted diseases are excluded

• Maternity treatments are excluded

• Birth control, sterility, infertility procedures are excluded

• Unproven treatments are excluded

• Treatments taken from non-licensed practitioners are excluded

• Gestational surrogacy is excluded

• Reversal of sterilisation is excluded

• Sleep disorders/sleep apnea are excluded

• Routine eye/ear examinations, dentures, crowns, etc. are excluded

• Expenses related to eyesight correction due to refractive errors less than 7.5 dioptres are excluded

• External congenital anomalies are excluded

• Obesity/weight control procedures are excluded

• Cosmetic or plastic surgery is excluded

• Change of gender treatments are excluded

• Treatments taken outside India are excluded

• Preventive care, including vaccinations, is excluded

• Dietary supplements and substances that can be purchased without a prescription are excluded

• Non-allopathic treatments are excluded

Faqs:

• What does the policy cover for diabetes patients? It covers inpatient care, daycare treatments, pre- and post-hospitalization expenses, domiciliary hospitalization, and more.

• Is there any limit on room rent? No, there is no cap on room rent or ICU charges.

• What is the waiting period for coverage? A waiting period of 90 days applies for diabetes and hypertension, and 90 days for pre-existing conditions.

• How do I raise a claim? Notify the insurer and submit the required documents as per the claims process.

• Are modern treatments like robotic surgeries covered? Yes, up to 50% of the sum insured.

• What is Deductible ? Deductible refers to the share of hospitalization/medical expenses that you need to pay from your pockets before filing a claim