Insurance Cover for Diabetes
Which one's your type?
Medical literature tells us that the most effective ways to reduce the risk of heart disease,cancer, stroke, diabetes, Alzheimer' s, and many more problems are through healthy diet and exercise. Our bodies have evolved to move, yet we now use the energy in oil instead of muscles to do ourwork. ~ David Suzuki
The numbers are out there, staring us in the eye. From an estimated 108 million in 1980 to 422 million in 2014, the number of the diabetes-afflicted has risen sharply. And it is projected that by the year 2030 diabetes will become the 7th leading cause of death on a global level. By the year 2025, every fifth patient in the world will be an Indian (as per WHO estimates). The age of patients can be anywhere from 20 to 60. What's the conclusion then? That we all insure ourselves against this modern-day scourge? Because it's considered to be a lifestyle disorder, perhaps the best way to really insure ourselves is to adopt a healthier, more conscious lifestyle. But for a just-in-case scenario and to be on the safer side, we can consider taking insurance cover. Because diabetes is also at least partially hereditary, taking insurance cover would seem
Hospitalisation due to war or an act of war, or due to a nuclear, chemical or biological weapon, and radiation of any kind We compared five insurance plans that cover Type-2 diabetes. The assessment parameters included maximum and minimum sum assured, maximum and minimum entry age, waiting period, coverage of prehospitalisation and post-hospitalisation expenses, and policy term. Consumer feedback was used to identify the most important and beneficial variables and also assess the quality of service.
The D Word
Diabetes is a disease characterised by the human body’s inability to use glucose for growth and energy. Normally, the glucose produced from the breakdown of food gets absorbed into our blood. It must then enter the blood cells in order to be utilised by the body. This process requires insulin, a hormone produced by the pancreas. In diabetes, either the pancreas can’t make insulin (Type 1 diabetes), or the cells don’t respond to the insulin properly (insulin resistance) and the pancreas produces inadequate insulin for the body’s increased needs (Type 2 diabetes). If the insulin is unable to work adequately, the glucose channels cannot open properly. Glucose builds up in the blood instead of getting into the cells, thereby raising the blood sugar level. Persistently high blood sugar has a damaging and cascading effect on several organs of the body, leading to complications of diabetes. Type 2 diabetes is considered to be a ‘lifestyle disease’, because it is more common in people who lead sedentary lives and are overweight or obese. It is strongly associated with high blood pressure and high cholesterol. Type 2 diabetes often runs in families.
The major categories of diabetes broadly fall under the following heads: Pre-diabetes
• It is a condition in which fasting plasma glucose (FPG) levels are higher than normal range (70 to 100 mg/dL) but not high enough to be diagnosed as diabetes (100–125 mg/dL). This condition is also called ‘impaired fasting glucose-IFG). • People with pre-diabetes are at a high risk of developing Type-2 Diabetes. Moreover, long-term damage to their heart and blood vessels may already have started. • Pre-diabetes means a 50 per cent higher risk of heart disease and stroke as compared with someone with normal FPG. • The good news is that clinical trials have shown that adults with pre-diabetes can prevent or delay
the onset of Type-2 diabetes if they follow the right diet and exercise.
Type 1 Diabetes (Diabetes Mellitus 1)
• This is also referred to as juvenile diabetes/insulin-dependent diabetes mellitus (IDDM). This condition occurs when the body’s own immune system destroys the insulin-producing cells in the pancreas. • This is a relatively uncommon condition, accounting for less than 10 per cent cases of diabetes. In
most cases, it is diagnosed before 30 years of age. • Unfortunately, this condition is not reversible and the person has to take regular insulin injections
lifelong so as to lead a normal life.
Type 2 Diabetes (DM 2)
• It is also called adult onset or non-insulin-dependent diabetes (NIDDM). • It is the more common form of diabetes, accounting for up to 90 per cent cases of diabetes. • People with Type-2 diabetes produce adequate insulin but their blood cells cannot use it (a condition of ‘insulin resistance’). • It usually occurs in adults over 35 years old, but can affect anyone, including children. • It is usually a lifestyle disease related to obesity, physical inactivity and age, and to some extent, the family history.
Other diabetic forms
Type-3 diabetes: It is caused due to the resistance of insulin in the brain. This condition is a type of Alzheimer’s disease. Gestational diabetes: It occurs in women during pregnancy. This has higher chances of getting converted into Type-2 diabetes if left uncured. Gestational diabetes is normally covered under the maternity benefits of a health insurance policy. You are a diabetic if: • The sugar (plasma glucose) level in your blood is more than 126 mg/dL when tested during fasting
(performed in the morning as this provides the body with adequate time to fast). • The blood in sugar level exceeds 200 mg/dL under random testing method, if you choose to do the
test after food (about two hours after normal food intake) • Your HbA1c test, also known as the haemoglobin A1c or glycated haemoglobin test, returns a reading
of 6.0–6.4 per cent.
Symptoms include: • increased thirst • increased hunger (especially after eating) • dry mouth • frequent urination • unexplained weight loss (in spite of regular eating and hunger) fatigue (weak/tired feeling) • blurred vision • loss of consciousness (very rare) • slow-healing sores or cuts • itching of the skin • frequent yeast infections • recent weight gain • numbness or tingling of the hands and feet • impotence or erectile dysfunctions