COMPARISON OF HEALTH INSURANCE PLANS FOR DIABETIC PATIENTS

COMPARISON OF HEALTH INSURANCE PLANS FOR DIABETIC PATIENTS

by | Jun 15, 2020 | Uncategorized

At present, very few insurers offer any kind of insurance cover to those who are afflicted with diabetes. Further, handful of insurers who offer exclusive cover for Type-2 diabetes have extended their health cover to include diabetes/hypertension/cardio problems. For Type-I diabetes, none of the insurance companies offer any cover as of now. If there is a family history, you may want to buy insurance immediately. Consumer VOICE presents a comparison of 5 Health Insurance Plans for Diabetic Patients of parameters like entry age, sum assured, waiting period, per and post hospitalization and many more.

Did you know that by the year 2030 diabetes will become the 7th leading cause of death on a global level. By the year 2025, every fifth patient in the world will be an Indian (as per WHO estimates). The age of patients can be anywhere from 20 to 60. This make one think how to do protect ourselves then. Both types of diabetes are costly. The fact is, the disease has the power to disrupt a family's finances. At present, very few insurers offer any kind of insurance cover to those who are afflicted with diabetes.

Further, handful of insurers who offer exclusive cover for Type-2 diabetes have extended their health cover to include diabetes/hypertension/cardio problems. For Type-I diabetes, none of the insurance companies offer any cover as of now. If there is a family history, you may want to buy insurance immediately. We make a comparison of heath insurance plans for diabetic patients and reveal the best buy, good buy and fair buy.

EXCLUSIONS IN POLICIES (GENERAL)
  • Any pre-existing condition (which would be covered after a waiting period)
  • HIV/AIDS and related ailments/disease
  • Congenital diseases
  • Mental disorder or insanity
  • Cosmetic surgery and weight-control treatments
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • Dental treatment
    Hospitalisation due to war or an act of war, or due to a nuclear, chemical or biological weapon, and radiation of any kind

Let us look at how to compare diabetic insurance plans:

BRANDS COMPARED
  • Apollo Munich ( Energy)
  • National Insurance (Parivar Mediclaim)
  • Max Bupa ( Heartbeat)
  • Religare (Care Freedom)
  • Star Health (Diabetes Safe)
PARAMETERS COMPARED
  • Maximum entry age
  • Minimum entry age
  • Minimum sum assured
  • Maximum sum assured
  • Co-Payment ( in %) maximum
  • Diabetes waiting period
  • Pre- hospitalisation
  • Post-hospitalisation
  • Daycare treatment
  • Pre-existing disease ( PED) waiting ( in years)
  • Sublimit for each expense
  • Policy term ( period) in years
  • OPD cover
  • Policy options
  • Optional cover
  • Consumer feedback
Car Safety Workshop in Noida

Car Safety Workshop in Noida

by | Jan 3, 2018 | Uncategorized

Car Safety Workshop in Noida-30 December 2017

Consumer VOICE, in collaboration with its state partner Bhartiya Manav Kalyan Samiti organized a Car Safety workshop on December 30, 2017 at Community Centre, Sector 15 Noida. The main objective of this Consumer Awareness Campaign was on Car Safety and to spread the message that safer cars are needed on Indian roads to save the precious lives.

Car Safety Workshop in Noida

The event started with a welcome address by S.C. Sharma, President, Bhartiya Manav Kalyan Samiti, Noida. He spoke about the need of Car Safety and hoped that the workshop on this subject will be very useful for the participants. Hemant Updhyay, Advisor,(Projects & IT) Consumer VOICE broached the subject and talked about the Car Safety necessity in India and supplemented it by giving data of road accidents caused due to driving an unsafe car. Some videos were also shown which gave a detailed view of road accidents caused due to lack of car safety features. Ms. Ekta Purohit Manager (Projects) from Consumer VOICE elaborated upon Car Safety importance and pointed out some precautions which a person should take while driving a car.

Sh. Sumer Singh Rawat, President, RWA, Sector-15 Noida opined that car safety feature like airbags and ABS are of utmost importance which should be not negotiated while purchasing a car. He also stressed upon the fact that while driving everyone should follow traffic rules to minimize the chances of accident. Sh. B. P. S. Dhakrey, Sr. Adv. of Supreme Court, who was the chief guest, emphasized the need of strict compliance of traffic rules as well as to ensure manufacturing of safe car from the company’s end. He further said that in consumer forum it takes time to settle the consumer disputes. Therefore mutual arbitration and mediation should be the preferred course of action.

Participants in Car Safety Workshop in Noida

He applauded the work of VOICE in the field of social service in general and Road Safety in particular. Sh. Kanhaiya Lal, General Secretary, Noida Ex. Officers Welfare Association made a vote of thanks speech and told that they are grateful to their chief guest and other guests for sparing their valuable time. He also thanked participants for making the event a success. Sh. S.C. Sharma concluded the event by saying that this workshop will be very useful in spreading the message of Car Safety among consumers. He also surmised that the participants will not only make use of the knowledge they got in the event but will also take this message forward in public interest. The programme  followed by question and answer session and the consumers  present at the seminar asked their respective questions to the experts.

 This workshop was attended by more than 70 persons from Noida, Greater Noida, Ghaziabad and East Delhi. Naresh Prasad and Amrit Sindhu from VOICE were also there as participants. The event concluded with a dinner.

Media Coverage

Amar Ujala

Hindustan Times

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