Ongoing Care, Not a One-Off
Diabetes needs regular specialist care, medication and monitoring supplies, so the value of your tariff shows over years rather than in a single claim. A comprehensive PKV plan generally covers consultations with your diabetologist, prescribed medication including insulin, and the test supplies and technology your treatment needs.
Devices and Supplies
- Test strips and meters: covered as part of prescribed treatment in most comprehensive tariffs.
- Continuous glucose monitors: increasingly funded where medically indicated, subject to the aids rules in your conditions.
- Insulin pumps: covered as medical aids where prescribed, usually needing prior approval.
- Medication: reimbursed under your prescription-drug cover.
Disclosure matters most: if you already have diabetes when you apply, you must declare it. The insurer may add a risk surcharge or apply terms, but a full and honest application protects your claims for good.
Applying With Existing Diabetes
If you have diabetes before you take out cover, expect the health assessment to shape your terms. The insurer may quote a premium surcharge, and a broker can place your application with an insurer more comfortable with your profile. What you must not do is leave the condition off the form, because non-disclosure lets the insurer reduce or refuse claims later, exactly when you need them. Declare everything, get the terms in writing, and your ongoing care is then secure.
Frequently Asked Questions
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