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for Diabetes Safe

Over one-fifth of those suffering from Diabetes the world over are in India and the number is swelling year by year. If left unattended it can severely affect vital organs like eyes and the kidneys, and therefore it needs urgent attention. Treatment for such complications can often burn a hole in your pocket.Protection against such an eventuality is offered by Star Health's diabetes care plan for those affected by Diabetes Mellitus Type II.

 COVER THEM at very nominal cost

+ All NORMAL health IPC cover

complications of diabetes

Coverage Offered for Specific Conditions
Eyes: Diabetic Retinopathy requiring laser treatment.
Kidneys: Diabetic Nephropathy leading to chronic renal failure
Feet: Diabetic foot ulcer requiring micro-vascular surgical correction
 
Who can take this Insurance?
Any person between 26 years and 65 years of age who is diagnosed with Diabetes Mellitus Type II can take this insurance
This limit of 65 years is applicable only for initial entry in to the scheme. Renewals will be accepted up to 70 years

Please note that persons who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer are not eligible to take the policy.

Special Features

Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject to availability of sum insured
Post-renal transplant complications on the insured person covered

Second transplant following failure of the first transplant covered

The annual spend on account of diabetes treatment in India is pegged at Rs 1.5 lakh crore, 4.7 times the Centre's allocation of Rs 32,000 crore on health and three-fourth of the budgeted service tax collections this fiscal, with experts saying that the cost of treatment of the disease is rising by 20-30% every year.

A study by Lancet has ex pressed concern over the rising cost of insulin, making it virtually unaffordable for a large chunk of patients globally with India, known as the diabetes capital of the world, accounting for 60 million of them.

The economic burden of diabetes is high in the country as most patients pay outof-pocket, and due to lack of medical reimbursement.While diabetes rate has increased by around 45% globally, it has jumped 123% in India between 1990 and 2013, according to the Institute for Health Metrics and Evaluation at the University of Washington.

The cost of diabetes care, including direct as well as indirect costs as loss of production, was pegged at Rs 1.5 lakh crore in 2010 and has been rising significantly over the years. Pointing at rising costs, fewer generic developments, limited competition and huge mark-ups by phar maceutical companies in the insulin space, the Lancet study says, “Substantial attention has been given to the issue of access to medicines for communicable diseases; however, access to essential medicines for diabetes, especially insulin, has had insufficient focus.“

Highlighting the factors affecting affordability , the study says one possible explanation is the market domination by three multinational companies, which control 99% of the global insulin market in terms of value and 96% in terms of volume.

Insulin is used by all people with Type 1 diabetes and up to a quarter of those with Type 2 disease to control blood sugar and regulate metabolism.

In India, most of the insulin that is used is imported. Doctors say hike in prices of insulin is also largely driven by its indiscriminate use by doctors, apart from active promotion of newer first-line insulin by various pharmaceutical companies.

“Cost of diabetes care is vastly increased if a patient is taking multiple insulin injections. This cost is almost quadrupled if the latest insulins are used.

Importantly , these costly insulin, now aggressively pushed in Indian market, offer no advantage to low-cost previous generation insulins in most cases.

Indian physicians should keep this in mind that while treating patients on costly multiple drugs and insulin regimen,“ said Dr Anoop Misra, Chairman, Fortis CDOC hospital for diabetes and allied specialities.

The Lancet study also warns against the rapid rise in the use of analogue or synthetic insulin, causing animal insulin to vanish from the market.

According to Dr Vijay Viswanathan, Head and Chief Diabetologist in Chennai's MV Hospital for Diabetes, the cost of old medicines or insulin usually remain the same with very slight annual increase, but it is the new patented ones which affect the cost of care immensely .

Data show diabetes is now also among the top ten reasons for various other disorders among both men and women as it breeds obesity, obstructive sleep apnoea, severe kidney and lower urinary tract infection, stroke and many other diseases. It can also have adverse effect on eyesight.

According to the study , rising insulin costs threaten the health of poor residents even in the richest nations.

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When purachsaing any mediclaim or health insurance plan always look for following things:

1) Cashless hospital network in your locality (more the hospital the better it is).

2) Quality of hospitals covered under cashless network.

3) Exclusions of your health insurance plan.

4) Are there any cappings in your policy.

5) Who will support you in case you need to file any claim in emergency.

6) Do visit your local hospitals listed in your policy to ensure cashless facility is given.

7) Always take your policy from your local advisor, as they are more sensitive towards you and will be helpfull in case of emergencies as compared to any of the customer care desk executive.


for Diabetes Safe