Coverage Since Day 1

Comprehensive insurance policies cover pre-existing diseases after a waiting period, while specific diabetes insurance plans cover the disease from the first day of the policy.

Pre-Insurance Test

Even though diabetes-focused policies cover the condition from day one, insurance companies typically conduct pre-insurance tests on the policyholder.

Waiting Period

The comprehensive policy covers diabetes after a 36-month waiting period, with some situations allowing a 12-month reduction and family policies having a 48-month waiting period.

Outpatient Care

Standard health insurance covers hospitalization expenses, while specific diabetes plans focus on outpatient coverage and other benefits.

Additional Benefits

The policy offers additional benefits like artificial limbs, personal accident coverage, kidney donors, and OPD benefits, but not comprehensive coverage.

Premium

The premium could be higher for disease-specific policies than standard policies.

Choose According To Requirements

Choosing diabetes coverage depends on individual needs and waiting periods, with early coverage being ideal for alarming diseases.

Why Opt For Disease-Specific Cover?

For diabetes patients, specific coverage is recommended due to its shorter waiting period and focused coverage from day one, despite higher premiums.

Compiled By Himani Verma

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