Health Insurance: Your risk of having prediabetes and diabetes is increased if diabetes runs in your family. In addition to a family history, Indians have a higher genetic susceptibility to this illness. More young Indians are developing pre-diabetes and diabetes as a result of their sedentary lifestyle and dietary habits.
Hospital Stays and Diabetes Complications Coverage
Your hospital stays due to diabetes-related complications will be covered by a decent insurance plan with a diabetes rider. Make sure your insurance covers organ transplants because uncontrolled diabetes can cause major harm to organs, including the kidneys. Additionally, as diabetes can accelerate the development of cataracts, confirm that cataracts are covered and be aware of any coverage limitations.
Effective Diabetes Management in Healthcare Plans
Having a healthcare plan that can effectively control diabetes and prevent it from becoming a risk factor for hospitalisation is what people (living with diabetes or caring for parents with diabetes) should prioritise. It’s critical to have access to a competent general practitioner, a diabetic specialist, and a nutritionist. These professionals can identify specific health concerns for you and recommend medications and lifestyle modifications.
A personalised plan should have two objectives:
- keep you well and away from medical facilities
- safeguard your money in case you need to visit the hospital
Importance of Outpatient Coverage for Diabetes
It’s a good idea to have outpatient coverage in your diabetes health insurance policy. Diabetes patients require routine testing, examinations, and dietary guidance. Select a health plan that covers these expenses.