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While India is moving towards becoming the Diabetes capital of the world, ironically there are very few insurance companies offering Diabetes insurance products in India. The only logical explanation could be that despite the high prevalence of this dreaded silent killer (almost 10% of the population), the mortality as a direct result of diabetes is only 2% of the total deaths in India, this means that most diabetics are not passing away due to this disease but are able to manage it’s impact through dieatary and lifestyle changes etc. This means that the insurance company will see almost all insureds outlasting the policy, and they will end up paying for all their treatment costs, which may make this plan unsustainable.
star religare hdfc ergo health
Star Diabetes Safe Religare Care Freedom HDFC ERGO Energy Health
BUY NOW BUY NOW BUY NOW
Sum Insured
Rs. 3 lacs – 10 lacs Rs. 3 lacs – 10 lacs Rs. 2 lacs – 50 lacs
Policy period
1 year 1, 2, 3 years 1, 2 years
Eligibility criteria
18 years – 65 years 3 months – No Maximum Entry age 18 years - 65 years
Renewal
Lifelong Lifelong Lifelong
Day Care Procedures
All day care procedures covered Upto Sum Insured 182 day care procedures
Pre-policy Medical Check up
No No Yes
Co-pay
Nil 20% / 30% per claim • 182 day care procedures
Pre-existing disease
Coverage after 48 months Covered after 2 years waiting period Covered after 2 years waiting period
General waiting period
No 30 days No

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