Is there any good medical insurance cover for diabetics? Could you suggest which are the best mediclaim option plans for diabetics in India. I am from Raipur in Chhattisgarh.

Ans: For diabetes, one needs to know complete history - age, weight, hereditary issues, etc. You can definitely control diabetes if you follow proper health regime, including - diet, physical & mental exercises and sleep patterns. You can visit an Ayurvedic doctor for a diagnoses of dosha imbalance, they will accordingly prescribe the diet & medicine plan if required.

Ans: I am not an Ayurvedic Physician.
Always manage your lifestyle habits through balanced nutrition and Appropriate physical activity

Ans: You may purchase opt for Senior Citizen Health Insurance which covers all the pre existing diseases. Diabetes and other preexisting diseases are also covered. Please note, there may be waiting period before you can claim and / or the premiums may be higher. Please consider these factors too.

Ans: Many companies have Diabetes Health Insurance cover which deals with all the collateral health impacts it creates like heart strokes, organ damages , etc. Diabetes is considered as a pre-existing disease under health insurance. So if you are a diabetic person, there may be more waiting period before you can claim from the policy or premiums may be high. If you are not a diabetic person, then you can purchase any basic health insurance policy. It will cover all the hospitalization benefits.

Ans: Here’s some pointers to help you narrow down your choices. Consider these factors when choosing a health insurance plan for a diabetic person:

• Pre-existing condition exclusions: Some plans may exclude coverage for pre-existing conditions, such as diabetes. Be sure to choose a plan that covers your pre-existing conditions.
• Deductible and coinsurance: The deductible is the amount you have to pay out of pocket before the insurance company starts to pay. Coinsurance is a percentage of the covered costs that you have to pay after you meet the deductible. Choose a plan with a deductible and coinsurance that you can afford.
• Network coverage: Make sure the plan covers the doctors and hospitals you want to see.
• Coverage for diabetes-related care: Look for a plan that covers diabetes-specific services, such as insulin pumps, diabetic supplies, and diabetes education.
• Renewal rates: Be sure to understand how much the premiums will increase each year.

Here are some health insurance plans that are designed for people with diabetes:

• Star Health & Allied Diabetes Safe: This plan offers coverage for diabetes-related complications, such as neuropathy, retinopathy, and nephropathy.
• National Varishta Mediclaim: This plan offers coverage for pre-existing conditions, including diabetes.
• Aditya Birla Activ Health Enhanced Diabetes Plan: This plan offers a critical illness rider that pays out a lump sum benefit if you are diagnosed with a critical illness, such as heart attack, stroke, or cancer.

It is important to compare quotes from several different insurance companies before making a decision. You can use a comparison website or an insurance broker to help you compare plans.

Here are some additional tips for choosing a health insurance plan:

• Read the plan brochure carefully to understand what is covered and what is not.
• Ask questions if you don't understand something.
• Don't be afraid to negotiate with the insurance company.