|Star Diabetes Safe||Religare Care Freedom||HDFC ERGO Energy Health|
|BUY NOW||BUY NOW||BUY NOW|
|Rs. 3 lacs – 10 lacs||Rs. 3 lacs – 10 lacs||Rs. 2 lacs – 50 lacs|
|1 year||1, 2, 3 years||1, 2 years|
|18 years – 65 years||3 months – No Maximum Entry age||18 years - 65 years|
|Day Care Procedures|
|All day care procedures covered||Upto Sum Insured||182 day care procedures|
|Pre-policy Medical Check up|
|Nil||20% / 30% per claim||• 182 day care procedures|
|Coverage after 48 months||Covered after 2 years waiting period||Covered after 2 years waiting period|
|General waiting period|
The Sum Insured option available are from ₹2 lacs upto 50 lacs on individual sum insured basis. Some insurers also offer a family floater option.
This kind of a plan is not required for people leading a normal life. Regular & cheaper alternatives like indemnity based health insurance plans would be sufficient to cater the regular health insurance requirements. It is designed specifically for diabetics to ensure they can also avail a customised plan.
Yes, this product is eligible for portability. Portability would be limited to the extent of previous sum insured + Cumulative Bonus (if any) and waiting periods (2 years and PED) would be reduced based on number of continuous years of previous insurance.
Minimum entry age – 18 years and maximum entry age – 65 years for adults. Some plans are also available for covering children from 3 months of age.
Yes & No. Some insurance plans don’t’ have PPC, while others have a Pre- policy Check, post which coverage approval will be provided.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more