World Diabetes Day 2022: Benefits of buying health insurance plan for diabetics

World Diabetes Day 2022, World Diabetes Day Theme 2022, Diabetes Day 2022: The cost of health care facilities has been rising at an unprecedented rate. Health care expenses have long outpaced both general inflation and employee wage increases. In such a scenario, it is always better to be prepared for any medical emergencies. According to Dr Suhail Durani - Consultant Endocrinology, Fortis Memorial Research Institute -  diabetes is quite common and one in every 10 people is diabetic. This is why it is better to have it covered under health insurance. As today is World Diabetes Day, let's talk about some of the benefits of buying health insurance for diabetics. 

Benefits of Buying Health Insurance Plan For Diabetics

We all know that most health insurance provider keeps a waiting period for pre-existing diseases. So, the most important benefit of buying health insurance for diabetics is that you will not have to wait for making claims for your diabetes treatment costs. 

Manage High Cost of Treatment

As we mentioned that the cost of health care facilities is rising at an unprecedented rate, this type of health insurance allows you to manage the high cost arising out of treatments related to diabetes. Health insurance ensures that you will not have to spend your savings on treatment. 

It is pertinent to mention that most health insurance providers cover hospitalisation costs for Type 1 and Type 2 diabetes and complications related to it. 

Things To Know 

People with Type 1 diabetes, who are not taking insulin, can be covered under some of the 'top health insurance plans' provided by the companies. On the flip side, those who don't take insulin can be covered under any plan - provided there would be a waiting period that varies from plan to plan.

Also, those who have had diabetes for more than 10 years and are not taking insulin will require Underwriters' approval to get a health insurance policy.

Documents Required to Purchase Diabetes Health Insurance

While the list of documents required may differ from company to company, some of the basic documents required are - age proof, address proof, passport-size photographs, identity proof and medical reports. 

What is covered under diabetes insurance plans?

• In-patient hospitalisation
   
• Day care treatment
   
• Organ donor expenses
   
• Ambulance cover
   
• Annual health check-up
   
• Dialysis cover
   

World Diabetes Day 2022 Theme

'Access to diabetes education' is the theme of this year's World Diabetes Day. The theme focuses on intensive diabetes education for healthcare professionals and diabetes patients.

Diabetes And Its Types

Diabetes is a disease that occurs when the blood sugar level in the blood is too high. There are different types of diabetes. Generally, they are Type 1 and Type 2. 

"In the case of Type 1 diabetes, the does not make enough insulin. Insulin is a hormone that is produced by pancreas and it helps control glucose levels in our bodies. In Type 2 diabetes, the body is unable to use insulin effectively to control blood sugar levels. This condition is also called insulin resistance. There are other types of diabetes as well - gestational diabetes, secondary diabetes and monogenic diabetes," said Dr Suhail Durani. 

If left undetected or inadequately treated, diabetes can lead to a wide variety of health-related problems and complication such as heart disease, stroke, eye problem, never damage and others.