Which health insurance offers better long-term benefits for diabetes?

[Biswajit]

I’m unsure whether to choose Care Supreme or Aditya Birla Active One Max for my parents' health insurance. My father has diabetes and high blood pressure. Should I focus on reducing the PED waiting period, keeping the premium stable in the long term, or considering the insurer’s claim ratios? Does Ditto's preference for Care matter more than Aditya Birla’s better CSR/ICR?

[Faraz]

Have you compared total cost over time, specific coverage for diabetes-related treatments, and waiting periods for pre-existing conditions, rather than just premium and claim ratios, to decide which truly protects your parents?

[Reema]

@Biswajit That’s a great question. Since your father has diabetes and high blood pressure, keep an eye on the waiting period — most plans won't cover these for 2 to 3 years unless you pay for a special add-on.

Look for stable premiums and a solid claims history so there are no surprises later. While Aditya Birla has good ratings, choose only what fits your parents’ specific health needs. Always compare the fine print and waiting periods before making a decision.

[Reema]

@Faraz You’ve got the right mindset. Factors such as waiting periods for diabetes coverage and room rent limitations are far more significant than choosing the lowest price isn't always best.

A slightly more expensive policy might cover pre-existing conditions quicker and provide better hospital networks, ultimately saving you money. You save a lot of money and stress later. Always compare benefits and fine print along with the premium before making a decision.