Religare Health Insurance, one of India’s leading health insurers unveiled a comprehensive health insurance plan – ‘care freedom’ that offers coverage to diabetics of all age groups and who are even dependent on insulin. Diabetes is a lifestyle disorder in which patients experience high blood sugar level over a long period, it is either due to the pancreas not producing enough insulin, or the cells of the body not responding properly to the insulin produced. In both the cases, a diabetic is dependent on the insulin intake and is at a higher risk of developing other life threatening complications, making diabetes an expensive ailment to put up with.
The launch is in line with the organization’s objective of ensuring persons diagnosed with such lifestyle diseases always have easy access to quality & specialised healthcare. Care Freedom does that by offering coverage without any pre-policy medical check-ups. Not just this, enrolment under the plan is applicable to individuals with multiple morbidities or health complications such as Hypertension, Lipid, Obesity (with BMI <= 37). Furthermore, the plan covers pre-existing ailments after a short waiting period of just 2 years keeping in mind that most people of progressed age might already suffer from an existing health condition & might require support at the earliest.
Talking about the need for launching ‘Care Freedom’ a specifically designed product for diabetics, Mr. Anuj Gulati, MD and CEO, Religare Health Insurance said, “India is known to be the diabetes capital of the world with 49% of the global diabetes burden. Long term diabetes often lead to other complications such as heart diseases, strokes, diabetic retinopathy which can result in blindness, kidney failure, and poor blood flow in the limbs leading to amputations. Association of these life threatening diseases with diabetes is the main reason why diabetics often find it difficult to get health insurance. Apart from diabetes, ‘Care Freedom’ also provides insurance to people suffering from depression, anxiety disorder, autism, hypertension etc.”
Care Freedom comes with a wide range of Sum Insured options from Rs. 3 lakhs to Rs 10 Lakhs and even offers a comprehensive health check-up that monitors certain vitals/parameters related to diabetes.