Health Insurance for Diabetics

Keep your loved ones protected 24/7 from the financial burden of treating diabetes with the best health insurance.

What is Health Insurance for Diabetics?

Diabetes is a common chronic metabolic disease that needs regular medical supervision and diagnosis. A regular health insurance plan is not enough to cover the costs of treating diabetes-related illnesses. The best health insurance for diabetics in India must cover treatment costs. With diabetes insurance, it is easier to tackle the long-term costs of diabetes treatment.

Choosing the right medical insurance for people with diabetes is essential. Navi Health Insurance offers a comprehensive diabetes health insurance plan. This is inclusive of but not limited to cashless treatment, 100% Hospital bill reimbursement/coverage and a higher insured sum across 10,000+ hospital networks.

Features & Benefits of Health Insurance for Diabetics

Features & Benefits of Health Insurance for Diabetics

What’s great about Navi Health Insurance plans for people with diabetes?
The features and benefits are:

You can submit cashless claims for diabetes treatment expenses incurred at one of our 10,000+ hospitals. In other words, you won’t have to pay the hospital anything out of pocket. Navi will take care of the expenses.
No heavy paperwork is required. From purchasing health insurance for diabetics to cashless claims – the entire process is online. Just download the Navi app and register!
Every year that you go without filing a claim with this diabetes Mediclaim policy, you get a cumulative or No Claim Bonus. If you don’t file a claim, a portion of the covered amount is carried over to the subsequent insurance year.
With a special health insurance plan for diabetes, patients can now avail of a higher amount on the sum insured at the same premium. Unlike regular health insurance, a diabetes Mediclaim policy adequately covers the financial aspect of long-term diabetic treatment.
On choosing the diabetes insurance coverage, get an automatic recovery of up to 100% of the base deposit amount as specified in the policy paper for the duration of a policy year.
Navi offers health insurance cover ranging from ₹2 lakh to ₹1 crore. You also have the option to pay your premiums in EMIs of just ₹235 per month.
A special bonus only for you! We provide an extra 5% off your premium at the time of policy renewal if you walk a mean of 4000 steps per day for at least 250 days.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Mediclaim For Diabetes Patients?

India is the diabetes capital of the world. Poor lifestyle choices, food habits and genetic predisposition have put the health of Indians at risk. According to Economic Times, there are 70 million people with diabetes in India today, and the World Health Organisation estimates that this number will shoot up by nearly 45% to 101 million by 2030.

With Mediclaim for diabetes patients, you can get good treatment for diabetes-related illnesses.
Here’s why you need one:

Financial Security

The cost of healthcare is increasing. Health insurance for people with diabetes protects your funds from the high medical bills incurred during hospitalisation or medical expenses. Diabetes is not only a life-threatening lifestyle disorder, but its treatment costs are also high.

Keep Yourself Safe from Other Lifestyle Diseases

The way of life has quickly transformed, and this has caused a rise in diseases linked to lifestyle. You can ensure financial security with diabetes insurance coverage against costs incurred for treating other such illnesses as hypertension, obesity, osteoporosis, asthma, or heart diseases.

Affordable premiums

For diabetes insurance, you don’t have to pay a high premium, making the insurance plan cost-effective.

File Claim Tax for Advantage

You can claim tax deductions of up to ₹25,000 for people below 60 years of age and ₹50,000 for people over 60 years under Section 80D of the Income Tax Act with regard to the premiums paid.

How to Buy a Health Insurance Diabetes Plan?

Planning to buy a health insurance diabetes plan? Try Navi Health Insurance. Get maximum benefits with affordable premiums and without heavy paperwork. Just download the Navi app to sign up.
Follow the simple steps below to buy Navi Health Insurance:

Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get a quote right away that is based on your health and personal information
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Buy a Health Insurance Diabetes Plan?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to file a claim for Health Insurance for Diabetics?

How to file a claim for Health Insurance for Diabetics?

Like other health insurance policies, filing a claim for diabetes insurance follows the same steps. Your insurer will pay the costs and hospital bills once you submit the medical invoices. However, if you have a cashless health insurance plan, your plan’s provider will make a direct payment to the hospital.
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track the claim status through the claims tracker
  4. Get notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

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Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

The majority of insurance providers often pay for both types of diabetes therapy. However, you must carefully review the policy as some insurers may only provide Type 2 coverage. The reason is that Type 1 diabetes is an autoimmune reaction, and hence many health insurances do not cover it. In contrast, type 2 is a lifestyle disease. The treatment for Type 1 diabetes is costlier than type 2, as it cannot be managed. Type 2 diabetes is manageable to a huge extent by regular insulin treatment as prescribed by medical experts.

You are permitted to buy numerous health insurance for people with diabetes from the same or separate insurance firms. However, while filing a claim, you must notify the other insurance companies of all current policies. People often opt for multiple diabetes Mediclaim policies for a higher insured sum amount. If you fail to notify the other company about the existing policy/policies, claims can be rejected during an emergency. This means that your premiums have ultimately gone to waste.
Yes, diabetes insurance allows the beneficiary to save on tax for medical insurance insuring self, spouse, or dependent parents as a deduction from income before paying the taxes. You may claim tax deductions under Section 80D of the Income Tax Act in relation to the premiums paid. You can get a tax deduction of up to ₹50,000 if the insured individual is over 60 years of age. If the insured person is below the age of 60, you will save ₹25,000 in tax.
An insurance plan specifically designed for diabetes and related disorders is called a diabetes insurance plan. It will cover the costs of related hospitalisation and medical care. Diabetes increases the risk of other diseases like coronary blockage, eye problems, skin diseases, blood pressure issues and so on. Diabetes health insurance might not cover all of these. Still, checking with your insurer and reading the policy documents is always advisable before getting insured under a plan.
Sub-limits are applicable to some procedures and costs, like hospital room fees. A diabetes insurance policy might not have a sub-limit because it already covers a specific ailment. However, some insurances do provide sub-limits with regard to treatments of diseases arising out of diabetes. While the diagnostic and medical costs of such diseases are covered, surgical costs for the same might be excluded from coverage.
The waiting period may vary from one insurance provider to another. While there can be a waiting period of 2 to 3 years if an individual is already suffering from high blood pressure, this period can be as low as 2 to 3 months if there were no symptoms before purchasing the policy. In diabetic specific insurance plans, there is no waiting period to file a claim.

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