Health Insurance for Insulin Pump Therapy

Diabetes Insurance for Insulin Pump Therapy: What You Need to Know

Insulin pump therapy is an effective method for managing blood sugar levels, prevalent among people with diabetes. This therapy includes a small device for delivering insulin. Nowadays, most people prefer using an insulin pump, but it turns out to be expensive. Opting for a health insurance plan can help cover the cost, but all plans differ.

Choosing the best health insurance plan for diabetes can significantly lower the financial burden and facilitate diabetes management.

What are insulin pumps?

Insulin pumps are small devices that continuously provide insulin through a tiny tube placed under your skin. They are more common nowadays. Insulin pumps also enable better diabetes management, provide more freedom to consume meals, and require fewer needle sticks. They are potentially lifesavers for individuals with type 1 diabetes. This means pumps are not for everyone, so make sure to consult with your doctor.

Who Should Buy Health Insurance for Insulin Pump Therapy?

Health insurance for insulin pump therapy is explicitly designed to provide financial assistance to individuals with Type I and Type II diabetes. Any individual with diabetes aged between 18 years and 65 years can choose this health insurance on an individual or a floater basis.

The options of the sum insured available under the diabetes insurance plan are Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs and Rs. 10 Lakhs, respectively. If you are diabetic and want comprehensive coverage for insulin pump therapy, consider choosing this plan.

Health Insurance Coverage for Insulin Pump Therapy

Most health insurance companies provide comprehensive coverage for any diabetes plan, including insulin pump therapy. Let us explore those coverages in detail below:

Coverage under Section I: Diabetes-Related Hospitalisation

The insured individual can occupy an A/C single standard room for diabetes-related hospitalisation. Under this coverage, it includes:

1. Expenses for 30 and 60 days of pre- and post-hospitalisation relating to diabetes.
2. Expenses for Ayush treatment up to the sum insured.
3. The costs of artificial limbs are payable up to 10% of the sum insured.
4. Exemption of up to Rs. 1000 per sitting for expenses on dialysis for 24 consecutive months.
    

Coverage under Section II: Non-Diabetes-Related Hospitalisation

This coverage includes:

1. The insured individual can occupy a single standard A/C room for hospitalisation.
2. Expenses for pre- and post-hospitalisation can be covered up to 30 and 60 days, respectively.
3. The costs covered for cataracts are payable up to the maximum limit.
4. Expenses for Ayush treatment are covered up to the sum insured.
    

Coverage under Section III: Outpatient Expenses

The coverage under this section includes:
 

1. The cost of fasting and conducting an HbA1c test – once every six months – is up to Rs. 750 per policy and up to Rs. 1500
2. Coverage of additional expenses such as medical consultation, medicines, drugs, and other diagnostics up to the maximum limit mentioned in the policy
    

Coverage under Section IV: Modern Treatments

This coverage includes the specified limits mentioned in the policy schedule.
 

Coverage under Section V: Personal Accidents

The coverage under this section includes a benefit amount provided equal to the chosen insured sum as a lump sum in case of accidental death of the insured individual.
 

Why Choose Star Health Insulin Pump Therapy?

For the following reasons, choosing the Star Health insurance plan for health insulin pump therapy is essential:
 

• It covers hospitalisation expenses apart from any complications relating to diabetes.
• 100% automatic restoration of the sum insured after exhaustion of the basic sum insured during the policy tenure.
• Covers insulin pump therapy treatments and expenses with no waiting period in Plan A and a waiting period in Plan B.
• The amount of premium paid is eligible for relief under Section 80D of the Income Tax Act, 1961.
• No co-payment plan during the time of claiming insurance.
   

Undergoing insulin pump therapy needs consistent care and close monitoring. In such situations, choosing a comprehensive health insurance plan for diabetes is paramount to cover all expenses. Choosing the right health insurance plan for diabetics in India covering insulin pump therapy offers a coverage option and mental peace.