What is a Diabetic Cover?

Diabetes is a severe illness, not only in itself but also in terms of giving rise to multiple other diseases. The treatment, including medicines, lab tests, regular health check-ups, and more can prove extremely expensive. Now, you can secure your finances with the Group Protect - Diabetic Cover from Aditya Birla Health Insurance Co. Ltd. You can get this plan at an affordable premium of just Rs. 1,528/year. The Diabetic Cover plan covers expenses on the treatment for up to Rs. 25,000. Let us see what all benefits come with this policy.

Key features of the Diabetic Cover

Diagnostic Tests

The reasonable and customary charges incurred by you on account of diagnostics tests are covered by the policy. However, these must have been incurred on an outpatient basis up to the limits specified in the policy.

Pharmacy Expenses

You get coverage for medically required pharmacy expenses that are incurred on an outpatient basis. These expenses will be indemnified as per the limits specified in the policy.

Doctor consultation

The plan allows you to consult with doctors and specialists and covers the expenses incurred on the same. This also includes teleconsultations availed by you.

How to apply for Diabetic Cover?

Here is how you can easily apply for the Diabetic Cover Plan. All you have to do is follow a few simple steps:

  • Click on Buy Now

    Click on ‘Buy Now’ and enter your details in the application form.

  • Confirm Your Application

    Enter your mobile number to receive an OTP. Use the code to confirm your online application form.

  • Pay the Premium

    You can pay the premium amount online using your credit card, debit card, UPI, mobile wallet, or payment modes.

On completing the above steps, the policy will be sanctioned. You will receive an email and a WhatsApp text with all the details of your Diabetic Cover Plan.

Eligibility criteria

You can take the Diabetic Cover if you fulfil this eligibility parameter:

 

  • You are between the age of 36 and 50, as of the date of your last birthday. 

What’s covered under the Diabetic Cover?

  • Room rent

    The Diabetic Cover policy offers rent coverage for up to Rs. 2,000 for a normal room and Rs. 4000 for ICUs. Restrictions apply to rents of other rooms.

  • Expenses on ambulance services

    Any expenses, up to Rs. 1000 for every incident, that you incurred on the transportation of a patient through an ambulance are covered.

  • Comprehensive coverage

    The entire amount that is insured gets reloaded under the Diabetic Cover.

  • A variety of health tests

    The Diabetic Cover policy offers coverage for health check-ups once every year. The tests covered include medical examination reports, basal metabolic rate, blood pressure, fasting blood sugar, smoking status, total cholesterol and height-weight ratio.

Policy Plan Details & Specifications

Here are the specifications of the Diabetic Cover plan that you must know:

  • Coverage 

The Diabetic Cover plan offers coverage for up to Rs. 25,000.

  • Validity

The Diabetic Cover plan is valid for one year.

What’s not Covered?

Listed below are the expenses and causes for which you will not be covered under the Diabetic Cover plan:

1. Consultations at an OPD 

Any expenses incurred on consultation at an OPD are not covered under this plan.

2. Dependents of the policyholder

Only the policyholder is covered under this plan. If you opt for this policy, your dependents will not be covered under it. 

3. Pre-existing diseases

If you have an existing disease when you purchase the plan, it will not be covered till the 4-year waiting period elapses. 

4. Consequences of war

If you have to get a treatment that arises from any war activity, they will not be covered.

5. Deliberate actions

If you willfully or deliberately expose yourself to danger, intentionally self-injure, or do not adhere to medical advice, your treatment will not be covered by this policy.

6. Non-maternity hospitalisation

Hospitalisation expenses other than those for maternity complications are excluded.

How to make a claim?

You can reach out to the customer care team to raise a claim in any of the following ways under this hospital insurance plan:

  • Call

You can call on the toll-free number, 1800-270-7000, to claim the expenses you have incurred on the treatment of diabetes.

  • Email

You can send an email to healthinsurance@adityabirlacapital.com mentioning your policy number and other relevant details.

Customer care details

In case you have any queries regarding the Diabetic Cover, you can write to us at insuranceconnect@bajajfinservmarkets.in. A representative from the team will revert to you shortly. 

Frequently Asked Questions (FAQs)

  • ✔️What is the premium amount for the Diabetic Cover plan?

    The premium amount you have to pay for the Diabetic Cover is Rs. 1,528 a year. The premium amount is inclusive of all taxes.

  • ✔️What does the Diabetic Cover plan cover?

    The Diabetic Cover plan offers coverage for the treatment of diabetes for up to Rs. 25,000. It also includes a cover for expenses on health tests, such as medical examination reports, basal metabolic rate, blood pressure, height-weight ratio, fasting blood sugar, smoking status, and total cholesterol within network hospitals.

  • ✔️What is the tenure of the Diabetic Cover plan?

    The Diabetic Cover is valid for a tenure of one year.

  • ✔️What does the Diabetic Cover plan not cover?

    The Diabetic Cover plan does not offer coverage for consultations at an OPD, any pre-existing diseases for 4 years, and treatment arising from any war-like situation. If you deliberately expose yourself to danger, self-harm, or do not adhere to medical advice, no coverage is extended.

  • ✔️What is the maximum coverage offered by the Diabetic Cover plan?

    The maximum coverage you get under the Diabetic Cover plan amounts to Rs. 25,000.

  • ✔️What is the waiting period under the Diabetic Cover?

    The initial waiting period for the Diabetic Cover is 30 days. In case of exclusion, the same is 2 years. 

  • ✔️What are the eligibility criteria for the Diabetic Cover plan?

    You can take the Diabetic Cover if you are between the age of 36 and 50 years, as on the date of your last birthday.