Be Money Aware

Diabetes is not just a disease which flows through the blood, but, one of its kind, it also affects various other functionalities of our body.  A foot ulcer is one such health issue caused by high blood sugar levels. With a large portion of Indian population suffering from this disease, diabetes has become a household name. Unfortunately, in spite of being exposed to such a life-threatening scenario, often people do not find the need for going for diabetic health insurance. It should be kept in mind that the importance of a diabetic health insurance policy is imperative today, and the earlier one starts, the more benefits is he/she entitled to receive. Sometimes, if you are too late, some companies may reject your application stating it is an existing health condition. So, it is of utmost importance to secure your health before anything else.  Let us get some idea about diabetic foot ulcer and see why health insurance for diabetes is important.

How to identify Foot Ulcer?

A foot ulcer is an open sore wound. Recently people have stopped feeling any kind of a pain in this ulcer. The ulcer leads to some drainage in the socks. The ulcer is also visibly red and swollen. Sometimes diabetic ulcer emits an odour.

Who gets affected with food ulcer?

Diabetic foot ulcer generally affects middle-age men. Medical insurance starts becoming costly at this age. This means if you wait till you get the foot ulcer then many of the medical insurance plans for diabetics might cost a lot of money. So, it is suggested that if you are already diagnosed with diabetes or have borderline diabetes then opt for an insurance plan. So if you start early, the insurance premium is much lower.

Precautions for Diabetes Foot ulcer

The precaution which one must take to prevent this disease is to keep the blood sugar levels under control.

Lastly, in case after following all these precautions if you are infected with diabetic foot ulcer most of the consultant advice

• Do not walk bare feet.
• To immediately treat diabetic foot ulcer.
• Need to keep the ulcer clean and always bandaged.
• Clean the wound on a regular basis and then dress it.
• Too much pressure on the wound is not good. So, the patient needs to wear customized footgear, brace or special castings.

Health Insurance for Diabetes

Diabetic wound care requires serious attention and cost-intensive as well. For this reason, the health insurance for diabetes becomes important. Let us determine some reasons why special diabetes insurance is important.

• Diabetes itself needs regular medication. The cost of insulins and other medicines is quite large as compared to some other diseases.
• This is a high-risk disease. For this reason, the later you get into a diabetic health insurance plan, the more is the premium.
• Sometimes the policy gets cancelled at the screening stage if people opt for diabetic health insurance after the illness reaches a critical state.

So how to choose the best out of the medical insurance plans for diabetics? The plan should:

• Cover hospitalization expenses for both Type 1 and Type 2 Diabetes.
• Cover the outpatient expenses like tests, medicines and drugs.
• Have the option of both individual and floater plans.

So do not ignore diabetes to be a common disease and safeguard yourself with ideal diabetic health insurance.

Reference Sources

• https://typeonenation.org/resources/insurance/choose-insurance-plan-diabetes/
• https://www.apma.org/Patients/FootHealth.cfm?ItemNumber=981