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I’m looking for a policy that covers diabetes, BP and cholesterol from Day 1 for my parents

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19 Dec, 2022 by  Si m

I’m looking for a policy that covers diabetes, BP and cholesterol from Day 1 for my parents (Dad-63, Mom-55)


Policies I’m considering:

  • HDFC Ergo Energy silver
  • Aditya Birla Activ health platinum enhanced (does it cover diabetes and cholesterol from Day 1, I see mixed information everywhere)


Looking to keep the sum insured for both around 15 lakhs (is this an ideal cover?)



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Hi there


Every plan has its own pros and cons, why don't you schedule a free call for us to guide you better?



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20 Dec, 2022
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Hi,


HDFC Ergo Energy plan covers inpatient hospitalization only due to Hypertension & Diabetes from day 1.


I think Aditya Birla Activ health platinum enhanced plan covers only OPD for Diabetes, Hypertension, Hyperlipidemia, Asthma under the Chronic Management Program but there is some waiting period logic based on health assessment even in this. Other advisors who deal with Aditya Birla can confirm if it also covers Inpatient hospitalization.


You may also check

Royal Sundaram Multiplier plan which covers ABCD (Asthma, BP (Hypertension), Cholesterol (Hyperlipidemia) and Diabetes) from 31st day but the loading is on higher side.

or

Niva Bupa Reassure which offers coverage for inpatient hospitalization only due to Hypertension & Diabetes by including a disease management add-on on paying additional premium.


Like Pankaj mentioned, it is better to get it touch with an advisor to get a customized and comprehensive analysis to help you make the decision.


Thank you

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