Diabetes is a long-term illness that has become one of the most common types of sickness in recent years. No one knows for sure if they are likely to get diabetes because it depends on many things, such as age, weight, genetics, family background, and, most importantly, how they live their lives. But good habits and changes in the way you eat can help you avoid this disease that lasts your whole life.
Diabetes can become dangerous and even life-threatening, so it’s important to get diabetes health insurance plans to protect your funds and health. It can also be seen as an investment, since things that you can’t plan for can happen at any time and put you and your family in a bad financial situation.
What’s it all about?
Diabetes is a disease in which the amount of sugar in your blood is either too low, too high, or dangerously high. The pancreas makes a hormone called Insulin, which is what breaks down the food we eat into glucose. The artery sends this glucose to our cells, which gives them energy. Diabetes makes it hard for the body to make insulin. Low or no insulin production can cause glucose to build up in the blood, and not being able to use insulin well can lead to a number of health problems.
What Kinds Of Diabetes Are There?
There are three main kinds of diabetes:
1. Type 1 Diabetes
In this case, your body doesn’t make enough insulin, so you need to get an insulin shot every day to keep your blood sugar levels at a healthy level.
2. Type 2 Diabetes
This is the most common type of diabetes. It happens when the body can’t use the insulin it makes well enough. Bad habits are often linked to type 2 diabetes, but they are not unique to it. There are also other things at play, like age, weight, and the genes you were born with.
3. Gestational Diabetes
It is a type of diabetes that happens to women who are pregnant. High blood sugar is a real possibility, and it can hurt both the mother and the child.
Why should you choose the health insurance that includes coverage for diabetes?
We all know that sicknesses can strike at any time. No matter how healthy you are now, it’s best to be ready for unplanned medical problems by getting Individual health insurance or a Family health insurance plan that includes diabetes coverage. If you don’t, and you end up getting Diabetes, you might have to pay a lot for your medical care. In addition to having health insurance that covers diabetes, the best ways to avoid getting diabetes are to live a healthy life and watch what you eat.
Types of health insurance that cover diabetes
It is very important for you to choose a full health insurance plan that covers diabetes in all of its forms. Diabetes patients need health insurance just as much as people who are more likely to get it. Since you can never be too sure, a complete health insurance plan will have features like:
1. Cover diseases that were already there
If you are diagnosed with Diabetes before you buy health insurance, it will be called a pre-existing disease, and you will have to wait between two and four years to get coverage for it. After this time has passed, you can make a claim on your diabetes coverage for a pre-existing condition. If you show signs of diabetes within three months of when the policy was issued, it won’t be considered a pre-existing disease, and you can file a claim, as long as you follow the terms and conditions of your policy.
2. Hospital stays without cash
When you have health insurance that covers diabetes, your medical bills and costs will be paid straight by your insurance company to the network hospital. So, you might not have to pay anything out of your own pocket and can avoid having to pay a lot of money.
3. Pre & Post Hospitalization Cover
If you choose a health insurance plan that covers diabetes, it will pay for everything, from diagnostic tests before you go to the hospital to after-care and medicine you need after you get out.
4. Procedures for Day Care
If you have diabetes, your health insurance plan that covers it would even pay for daycare treatments that only take a certain amount of time.
Portability of Benefits In-Patient Treatment Restoring Benefits
Ambulance Cover High-End Diagnostics Cover Domicile Treatment Frequent Health Check-Up Benefit Eligibility For Health Insurance With Diabetes Cover
Health insurance for people with diabetes is not as hard as it seems. But there is usually one rule that always applies: if you had diabetes before you bought the health insurance policy, you won’t be able to make claims until you’ve waited between two and four years. But if you don’t have diabetes when you buy health insurance, you can file a claim within three months of buying the coverage even if you later get diabetes. Also, there are age caps on health insurance policies that mean you can’t keep your plan. To make sure you can keep your plan until you die, make sure your policy can be renewed for life.
Health insurance that covers diabetes may not cover everything.
You must read the policy wordings of your chosen health insurance plan to make sure it covers diabetes. If you don’t, your claim could be denied in the future. There are some things that aren’t covered by these all-inclusive health insurance plans, like waiting periods and certain costs for type 1 and type 2 diabetes. So, carefully read the terms and conditions before putting money into such important plans.
How to File a Claim for Health Insurance That Covers Diabetes
Once the waiting time on your health insurance plan has passed, you can get the money whenever you need it, even if you already had a disease like diabetes. Health insurance claims can be made in two ways:
1. Health insurance claims that don’t need cash
You could choose a cashless claim process if you were taken to a hospital that was part of the insurer’s network. Under this plan, you don’t have to pay anything out of pocket because the insurance company pays the hospital directly.
2. How to File a Health Insurance Claim for Payment
You’ll need to use this claim process if your insurance company doesn’t offer cashless claims or if the hospital where you’re staying isn’t in their network. Under this, you will first have to pay the hospital bill and then make a claim with your insurance company to get the money back.
