Does ICICI Lombard - Health Shield 360 Cover Diabetes?
Type 1 vs Type 2 Diabetes: How Coverage Differs
Diabetes is not a single condition. Type 1 and Type 2 carry very different consequences for your health cover. Type 1 is rarer, more severe, and most plans cover it poorly.
Type 1 vs Type 2 Diabetes: Why It Changes Your Insurance
- Type 1 diabetes needs insulin from diagnosis and carries higher hospitalisation risk. Most policies either exclude it or apply long waits.
- Type 2 diabetes is more common and usually tied to lifestyle. Some plans cover it faster, particularly through add-ons or riders.
Declare Diabetes as a PED - It Is Not Optional
Declare Diabetes as a Pre-Existing Disease (PED) or Risk Claim Rejection.
Plenty of buyers assume diabetes isn't a PED. It is. IRDAI regulations are explicit: non-disclosure is grounds for claim denial or policy cancellation.
If you have diabetes, declare it honestly at the time of purchase. That disclosure is what protects your claim and points you toward plans built for your condition.
Hospitalisation Risk Is What Really Costs You
Hospital Bills, Not Routine Insulin, Are the Real Financial Threat.
Insulin and daily management add up, but the heaviest financial hit comes from hospital admissions tied to diabetes complications.
For Example:
- Diabetic foot ulcer surgery: ₹40,000–₹2,00,000
- ICU for ketoacidosis: ₹18,000–₹30,000 per day
ICICI Lombard - Health Shield 360's hospitalisation limits and waiting periods will directly shape what you pay out of pocket.
No pressure to buy.No spam.Just unbiased advice.Cut Waiting Periods Using Riders and Add-Ons
Some insurers offer add-ons that shorten the Type 2 diabetes waiting period from the usual 2–4 years down to 0–30 days.
Common choices include Care Supreme, Aditya Birla Activ One Max, and a handful of others.
For Type 1, fast coverage is rare but does exist - HDFC ERGO Energy offers Day 1 coverage, one of the few plans that do.
Beyond Diabetes Cover, Check These Policy Details
- Pre- and post-hospitalisation days covered
- Room rent and ICU limits
- Sub-limits on specific treatments
- Chronic illness rider requirements
- Co-payment clauses
CoverSure lays all of this out upfront - no surprises when you claim.
What Our Users Found with CoverSure
What Our Users Say
“I had no idea my policy carried a 4-year waiting period for diabetes until CoverSure flagged it.”
“CoverSure found me a rider that brought my wait down to 30 days - huge relief!”
“I assumed Type 1 was excluded in most plans, and it was, but I still found coverage with HDFC ERGO.”
Reviewed by
Atul SharmaAVP, Founder’s Office at CoverSure · 7+ years in insurance (ex-Tata, Ditto, Cholamandalam)
