Health Financing/Insurance

ICICI Pru-Life launches package for diabetes patients

ICICI Prudential Life Insurance, recently announced the launch of Diabetes Care Active, a unique long-term health insurance plan, combined with a customized wellness program, created exclusively for Type II diabetics and pre-diabetics. The enhanced features of the new product are designed keeping in mind the consumer feedback received on the company’s Diabetes Care, the first-of-its-kind breakthrough disease management product. In a country where the incidence of diabetes is high, Diabetes Care Active encourages diabetics to manage their condition better. Diabetes Care Active has an in-built wellness program with regular checkup facilities, expert advice, in addition to providing the policyholders with the benefit of reduced premiums on better management of diabetes. It is a defined benefit critical illness plan, offering cover for a 20 years period and extended coverage. Diabetes Care Active provides financial support through lump-sum payouts incase the policyholder is diagnosed with any one of the seven critical illnesses that may arise due to diabetes. These include heart attack, stroke, bypass surgery, angioplasty and cancer amongst others. Commenting on Diabetes Care Active, Mr. Bhargav Dasgupta, Executive Director, ICICI Prudential Life, said, “Being a pioneering insurance plan, Diabetes Care addressed the needs of diabetics for the very first time. Diabetes Care Active is a more feature-rich insurance plan, offering customized wellness program amongst other features. The unique aspect of this plan is that we have incorporated consumer feedback received on Diabetes Care and developed the new features of Diabetes Care Active, which will enable diabetics manage their condition better.” Diabetes Care Active provides a complete support system with regular checkups as well as expert advice through the diabetes coach. A diabetes coach is assigned to each policyholder and assists in managing diabetes through diabetes education, goal setting, diet and fitness guidelines for goal achievement. Further, the diabetes coach also helps in analysis and interpretation of test results, progress tracking and reminders for tests and doctor visits through periodic interactions. Policyholders can further enhance their cover with optional riders and enjoy additional protection. Diabetes enhanced benefit rider provides cover for limb amputation due to diabetic complications and LASER treatment for diabetic retinopathy, and Death benefit rider provides complete protection to the policyholder’s family with the payout of 10% of the applicable sum assured. Further, premiums paid towards Diabetes Care Active will be eligible for tax benefits under section 80D. In case you opt for the Death Benefit Rider, this additional rider premium would be eligible for tax benefits under section 80C of Income Tax Act, 1961.

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