Struggling to Get Health Insurance with Diabetes? Quickinsure Recommends Care Freedom

Diabetes in India: A Growing Health and Financial Challenge

With over 100 million people living with diabetes in India, managing this chronic condition has become a major health priority. According to the ICMR (Indian Council of Medical Research), diabetes is now one of the top five causes of long-term hospitalization in urban areas. But while managing diabetes is medically possible with regular medication, doctor visits, tests, and lifestyle changes, the financial burden of living with diabetes continues to weigh heavily on families.

To make things worse, most regular health insurance policies either exclude diabetes or include long waiting periods and high premiums. Many diabetics are often denied coverage or offered policies with major restrictions, making it almost impossible to feel financially protected.

That’s why Quickinsure recommends the Care Freedom Plan, a specialized diabetic insurance policy from Care Health Insurance (formerly Religare Health). This plan is designed to meet the needs of individuals already living with diabetes, hypertension, or high BMI, helping them get the financial support they deserve.


🚫 Why Regular Health Insurance Fails Diabetic Patients

Let’s face the truth—standard health insurance plans are often not made for people with pre-existing illnesses like diabetes. Here’s why:

  • Lengthy waiting periods for coverage of diabetes-related hospitalization
  • Mandatory pre-policy medical tests that result in denial or higher premiums
  • No coverage for diabetic complications like nephropathy or diabetic foot ulcers
  • Rejection of claims due to unclear disclosures or clause exclusions

This leaves millions of diabetic patients either uninsured or underinsured—constantly worried about how they’ll manage expenses in case of an emergency.

That’s where the Care Freedom Plan, easily available on Quickinsure, changes the game.


✅ What Is the Care Freedom Plan?

The Care Freedom Plan is a dedicated health insurance policy for individuals suffering from diabetes, hypertension, and high BMI. It is one of the few plans in India that:

  • Accepts pre-existing diabetics with minimal or no medical tests
  • Offers financial protection against diabetic complications
  • Is customizable and affordable for different age groups and needs

This plan is offered by Care Health Insurance (Religare) and can be easily compared, purchased, and renewed through Quickinsure, India’s trusted digital insurance platform.


🔍 Key Benefits of Care Freedom Plan via Quickinsure

Let’s break down why Quickinsure strongly recommends the Care Freedom Plan for diabetics:


1. No Medical Tests Up to Age 50

Unlike traditional policies that demand blood reports and health checkups, Care Freedom does not require any pre-policy tests for applicants up to 50 years of age. This makes it easier to access coverage quickly.


2. Coverage for Diabetes-Related Hospitalization

The plan covers hospitalization due to conditions and complications caused by diabetes, such as:

  • Diabetic nephropathy (kidney damage)
  • Diabetic retinopathy (vision loss)
  • Diabetic neuropathy (nerve damage)
  • Diabetic foot ulcers and amputations
  • Cardiovascular complications
  • Dialysis treatments

This comprehensive coverage ensures you’re financially supported when most vulnerable.


3. Affordable Sum Insured Options

Choose sum insured options ranging from ₹3 lakhs to ₹10 lakhs, depending on your budget and medical requirements. You don’t have to overpay or underinsure yourself.


4. Pre & Post-Hospitalization Cover

Get reimbursed for:

  • 30 days before hospitalization (consultations, tests)
  • 60 days after hospitalization (follow-up treatments, medicines)

This helps diabetics cover their entire treatment cycle, not just hospital stays.


5. Cashless Treatment at 21,000+ Hospitals

Enjoy access to a wide network of cashless hospitals across India. This is especially useful for diabetic emergencies, where every minute counts.


6. Optional OPD & Health Check-Up Benefits

You can add optional covers like:

  • OPD consultations for endocrinologists and general physicians
  • Annual health check-ups to monitor sugar levels, BP, kidney, and liver functions
  • No-claim bonus to increase sum insured each year you don’t file a claim


🎯 Ideal For:

The Care Freedom Plan is perfect for:

  • People already diagnosed with Type 1 or Type 2 diabetes
  • Individuals with high BMI (above 28) or hypertension
  • Senior citizens or parents with age-related health conditions
  • Diabetics who were rejected from other health insurance plans
  • Those looking for long-term, renewable coverage


🔄 Waiting Period & Co-payment

  • Pre-existing condition waiting period: 24 months
  • Co-payment clause: Between 20% to 30%, depending on age and city category
  • Lifetime renewability offered

While these clauses may seem restrictive, they are far more lenient compared to traditional plans that deny diabetics altogether.


🖥️ Why Buy from Quickinsure?

Quickinsure makes it simple, transparent, and fast to get the right insurance:

  • 🔍 Compare Care Freedom with other diabetic plans
  • 📞 Get free expert consultation before buying
  • 🧾 Instant policy issuance with minimal documents
  • ⚙️ Easy renewals and customer support
  • 🤝 24/7 claim assistance—your insurance partner beyond purchase

Their digital interface and policy comparison engine help diabetics get the right coverage with zero confusion.


📌 Case Study: Real Example

Mrs. Menon, 56, from Pune, was managing diabetes for 9 years. After being denied two regular health policies due to her condition, she approached Quickinsure.

With their help, she bought the Care Freedom Plan (₹5 lakh sum insured) without any tests. Recently, she underwent a minor surgery for a foot ulcer—a known diabetic complication—and her ₹1.8 lakh bill was fully covered by the plan.

She calls it her “financial lifeline.”


💡 Final Thoughts: Don’t Let Diabetes Deny You Coverage

Diabetes is a lifelong condition, but your access to quality healthcare shouldn't be denied because of it. With increasing costs of medicines, diagnostics, and hospitalizations, having a dedicated diabetic health insurance plan is not a luxury—it’s a necessity.

Quickinsure understands these unique challenges and strongly recommends the Care Freedom Plan by Care Health Insurance, one of India’s most trusted diabetic-specific insurance options.


🟢 Ready to Buy?

Don’t wait for a complication. Protect yourself now—because your health and peace of mind are worth it.