What to Look for in a Health Insurance Plan If You are Diabetic or Have Hypertension

Both diabetes and hypertension are long-term medical conditions. If left unmanaged, they can lead to severe complications such as kidney failure, heart disease and stroke. According to figures, over 100 million Indians are diabetic, and more than 300 million suffer from hypertension.

Given the high treatment costs associated with these illnesses, it is essential to choose a health insurance plan that provides adequate financial support.

How Pre-Existing Conditions are Viewed in Health Insurance

Insurance providers treat diabetes and hypertension as pre-existing conditions. This affects your:

• Premium: You may have to pay a higher premium.

• Waiting Period: Coverage for your condition might begin only after a specific time (typically 2-4 years).

• Coverage Limits: Certain insurers may cap how much they’ll pay towards treatment for these illnesses.

So, when you buy health insurance, reading the fine print becomes crucial.

Key Features to Look For in a Health Insurance Plan

When selecting a plan, here are the features you should prioritise:

1. Shorter Waiting Period

Most plans have a waiting period for pre-existing conditions. Opt for one with a shorter waiting period.