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Comprehensive insurance policies cover pre-existing diseases after a waiting period, while specific diabetes insurance plans cover the disease from the first day of the policy.
Even though diabetes-focused policies cover the condition from day one, insurance companies typically conduct pre-insurance tests on the policyholder.
The comprehensive policy covers diabetes after a 36-month waiting period, with some situations allowing a 12-month reduction and family policies having a 48-month waiting period.
Standard health insurance covers hospitalization expenses, while specific diabetes plans focus on outpatient coverage and other benefits.
The policy offers additional benefits like artificial limbs, personal accident coverage, kidney donors, and OPD benefits, but not comprehensive coverage.
The premium could be higher for disease-specific policies than standard policies.
Choosing diabetes coverage depends on individual needs and waiting periods, with early coverage being ideal for alarming diseases.
For diabetes patients, specific coverage is recommended due to its shorter waiting period and focused coverage from day one, despite higher premiums.
Compiled By Himani Verma