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Insurance Companies Now Help You Fight Diabetes
The second kidney transplant following failure of the first transplant is also covered, she added. Besides non-insurance benefits like 24-hour help line for customers, cashless facility if the treatment is at any network hospital and free advice from a general physician come as value added services.
Likewise, Diabetes Care from the ICICI staple provides critical illness insurance for Type 2 Diabetics and Pre-Diabetics for those in the age group of 25 to 60 years. The sum assured is Rs 3 lakh, 5 lakh and 10 lakh. An unique feature of our scheme is that those who show good control over diabetes have to pay reduced premiums. The premium reduction will be made based on our Diabetes Check Index, a spokesperson said.
The company promises a lump sum payment on diagnosis of six critical illness - Coronary Artery Bypass Graft Surgery, cancer, end stage renal failure, heart attack, major organ transplant (as a recipient) and stroke. We would also sponsor the insured for three diagnostic tests and one annual consultation free, he said.
ICICI has also tie up some leading healthcare partners to offer products and services at concessional rates for insured diabetics.
Both the companies have excluded certain category of patients from the insurance cover. These include patients who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot Ulcer Expenses on treatment of Diabetes Mellitus Type II, or those with HIV/AIDS.
Source-Medindia
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More News on: Diabetic Retinopathy, Diabetes, Diabetic Diet, Diabetes - Essentials, Diabetes - Self-Monitoring of Blood Glucose (SMBG), Insulin Delivery Devices, Third Party Administrators for Health Insurance, Star Health and Allied Insurance, Diabetes and Exercise, Health Insurance Policies offered by Bajaj Allianz Insurance
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