Insurance Company Launches Plan for Diabetes and Hypertension Patients; See benefits

Insurance company Niva Bupa Health Insurance Company Limited has launched a new health insurance policy for people with diabetes and high blood pressure. Known as the Smart Health+ Disease Management Plan, the new add-on plan offers coverage for diabetes, hypertension and its complications from Day 1, providing complete peace of mind for customers living with diabetes and hypertension. The plan was created considering the high number of people in India suffering from these diseases. The driver is available for those who sign up for the ReAssure plan.

“It is important to note that these customers are at greater risk of being hospitalized and therefore require immediate coverage,” Niva Bupa, formerly known as Max Bupa Health Insurance Company Limited, said in a press release on Tuesday.

The plan aims to give people suffering from diabetes and high blood pressure the confidence to live a worry-free life, the company said. The SmartHealth+ Disease Management Rider also offers quarterly health checks and a discount of up to 20 percent on health insurance renewal premiums for a healthy lifestyle.

Niva Bupa said it conducted an internal study with consumers that found most people suffering from diabetes and high blood pressure feel constrained by the two to four-year wait, even after paying additional top-up premiums. According to industry reports, diseases such as diabetes and hypertension are increasing in India due to various factors including rapid urbanization, sedentary lifestyle and unhealthy diet.

With a significant percentage of India’s population suffering from diabetes and high blood pressure, Niva Bupa instituted the plan which ensures that customers suffering from such conditions do not have to go through the mandatory waiting period or pay loading premiums that are in regular retail health insurance and ex day one coverage for diabetes and high blood pressure.

According to World Health Organization data, diabetes is a growing challenge in India with an estimated 72.96 million cases of diabetes in India’s adult population. Another report released this year by the India Council for Medical Research revealed that one in four adults in India suffers from high blood pressure and only 10 percent of patients have their blood pressure under control.

Announcing the launch, Bhabatosh Mishra, Director – Underwriting, Products and Claims, Niva Bupa Health Insurance said, “We are excited to announce the launch of Smart Health+ Disease Management Rider, designed to make ReAssure smarter, more comprehensive and more accessible to clients . At Niva Bupa, we believe that people suffering from diabetes and high blood pressure should not live a life full of constraints and limitations. While it is important for them to maintain a healthy and active lifestyle to manage their health condition, we want to give them the freedom to live their lives worry-free. The Smart Health+ Disease Management Rider ensures they have access to the best healthcare services from day one.”

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