How Medical Insurance Can Help Manage Diabetics

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Blood sugar test for diabetes.

Unfortunately, the cases and prevalence of diabetes have increased worldwide over the past decades. According to the World Health Organization (WHO), approximately 422 million people around the world suffer from diabetes and 1.6 million deaths are directly attributed to diabetes each year.

The majority of people with diabetes live in low- and middle-income countries. Most patients suffer from this metabolic syndrome and poor lifestyle choices such as inactivity, lack of exercise, stress, and excessive consumption of junk food exacerbate the condition.

If left untreated, the disease can progress to serious cardiovascular disease, nerve damage, kidney and eye problems, and other complications.

Since diabetes has various aspects in its treatment and management, such as preventive therapy, lifestyle modifications, and outpatient service (OPD) treatment, a specialized medical insurance for diabetes can actually help cover processing costs.

Of course, diet and medication are essential to keeping diabetes under control, but medical insurance can go a long way in protecting you against high medical costs.

Medical coverage can ensure you receive the best medical care for diabetics without putting too much strain on your finances.

So how exactly can diabetes medical insurance help you manage the disease?

Why You May Need Diabetes Medical Insurance

Diabetes, being a chronic disease, requires medication and ongoing care. It can actually be quite expensive. Diabetes medical insurance can help cover the costs.

Assurance will not only cover the heavy hospital expenses related to diabetes and its complications, but it will also help you receive high quality OPD treatment.

Many health insurance companies offer diabetes coverage in their standard policies, but the long waiting period (which can range from 12 to 4 years) can be very inconvenient.

However, a diabetes diet is the best option if you need coverage now. Diabetes medical insurance guarantees adequate and comprehensive coverage with little or no waiting time.

Other benefits of medical insurance for diabetes

There are many other benefits that medical insurance for diabetes offers a person with diabetes, including:

  1. Pre- and post-hospitalization costs: The plan covers both pre- and post-hospitalization costs, such as diagnostic tests, investigations, medications and other costs. Most insurers pay pre-hospital expenses for 30 days and post-discharge expenses for 60 days.
  2. Hospital costs: In addition to diabetes-related hospitalization, this diabetes medical insurance also covers hospitalization costs for other illnesses and injuries.
  3. Custody procedures: Diabetes medical insurance will cover the cost of any treatment that requires less than 24 hours in the hospital.
  4. Lifetime coverage: You can also choose the option of lifetime renewal with medical insurance for diabetes.
  5. Emergency road ambulance coverage: In the event of an emergency, the plan additionally covers the costs of a road ambulance.
  6. Hemoglobin a1c (HbA1c) trial: Up to a certain level, diabetes health insurance coverage will cover the costs of the HbA1C test. Comprehensive wellness tests and health checks are also offered to cashless policyholders and in accordance with policy terms and conditions.
  7. Cashless processing: Medical insurance for diabetes also includes cashless treatment at network hospitals, a personal health advisor and welfare assistance.

Diabetes medical insurance is a great choice for people with type 1 and type 2 diabetes, as well as glucose intolerance, high blood pressure, and other related conditions.

While living with diabetes can be difficult at times, regular medication, a healthy lifestyle, and professional assistance can all help.

Plus, having decent insurance coverage will ensure that you will receive the best possible care without having to worry about medical bills.


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