Aditya Birla Health Insurance– Diabetic Cover at Rs. 1,528

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

  • Coverage up to Rs. 25,000, premium Rs. 1,528

    Hospitalisation expenses for diabetes-related treatment with a sum insured of Rs. 25,000 for a premium of Rs. 1,528.

  • Hospital room expenses

    This policy covers up to Rs. 2,000 for the rent of a normal room and up to Rs. 4,000 for an ICU room.

  • End-to-end online

    About five minutes is all it would take to complete seven simple steps and get your policy online.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy Diabetic Cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.

Eligibility criteria  

  • Exclusively for Bajaj Finance customers
  • Nationality: Indian 
  • Age: 36 - 50 years

Documents required

No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:

  • Name
  • Address
  • Email address
  • Phone number

Step-by-step guide to buy this policy

  • Step 1

    Click on the ‘Buy Now’ button on this page.

  • Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards and wallet.

  • Step 6

    After the payment is successful, you can download the policy receipt instantly.

    You can also download the policy document from ‘My Account’ after 5 to 7 working days from the date of purchase of the policy.

    In case your details need to be changed, you can update it on ‘My Account’ (our customer portal). Once your information has been updated, you can resume your application form by revisiting this page.
    In case all the information is in order, click on the ‘Proceed’ button.

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Policy details

Here’s a quick look at the policy details of Diabetic Cover:

Policy details Description
Sum insured (in Rs.) 25,000
Premium including GST (in Rs.) 1,528
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions under Diabetic Cover:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Medical transport In case of an emergency, expenses incurred to transport the patient via a road ambulance are covered up to Rs. 1,000 per incident
Annual check-ups Health check-up program within network hospitals, once in a policy year
Medical tests covered under the health check-up program Blood pressure, basal metabolic rate, height-weight ratio, smoking status, fasting blood sugar, and total cholesterol
100% reload benefit If during the policy year, the insured sum has been claimed once, and the insured is hospitalised again during the same year | In such a case, the sum insured will be restored to its original value

Key exclusions Description
Any pre-existing disease No pre-existing medical illness is covered up to the waiting period of 4 years
Ailments during the waiting period Illnesses detected before 30 days from the purchase of the policy .The waiting period for diseases under the exclusions list is 2 years*

*The 2 year exclusion list is as follows:


Treatment or surgery


Cataract surgery


Glaucoma surgery

Serous Otitis Media



Sinus surgery


Surgery for the nose





Deviated Nasal Septum

Surgery for deviated nasal

Otitis Media

Surgery or Treatment for Otitis Media






Resection of the nasal concha

All Cysts & Polyps of the female
genitourinary system

Dilatation and Curettage

Polycystic Ovarian Disease


Uterine Prolapse

Uterine prolapse surgery

Fibroids (Fibromyoma)

Hysterectomy unless
necessitated by malignancy

Breast lumps

Any treatment for menorrhagia

Prolapse of the uterus

Dysfunctional Uterine Bleeding



Pelvic Inflammatory Disease



Joint replacement Surgery Surgery for Prolapse of the intervertebral disc

Rheumatism, Rheumatoid

Non-infective arthritis



Prolapse of the intervertebral disc


Stone in Gallbladder and Bile duct

Cholecystectomy / Surgery for Gallbladder


Surgery for Ulcers (Gastric / Duodenal)


Fissure, Fistula in ano, haemorrhoids (piles), Pilonidal Sinus, Ano-rectal and Perianal

Rectal Prolapse

Gastric or Duodenal Erosions or
Ulcers + Gastritis and Duodenitis


Gastroesophageal Reflux Disease


Stones in Urinary system (Stone in the Kidney, Ureter, Urinary

Prostate surgery

Benign Hypertrophy /
Enlargement of Prostate (BHP / BEP)

Hernia, Hydrocele,

Surgery for Hydrocele,
Rectocele, and Hernia

Varicocele / Spermatocele

Surgery for Varicocele /

skin tumour (unless malignant)

Removal of such tumour unless malignant

All skin diseases

Any swelling, tumour, cyst, nodule, ulcer, or polyp anywhere in
the body (unless malignant)

Surgery for cyst, tumour, nodule, or polyp unless malignant

Varicose veins, Varicose ulcers

Surgery for Varicose veins and Varicose ulcers


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How to claim

You can reach out to the insurer (Aditya Birla Health Insurance) to claim the benefits of Diabetic Cover by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number - 1800-270-7000 and claim the benefits

  • Documents required to claim

    Documents required to claim

    To claim the benefits of Diabetic Cover, you need to present the following documents:
    1. The policy document received at the time of purchase
    2. Medical certificates and reports received from the doctor
    3. Invoice/bills

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

What is the Aditya Birla Health Insurance - Diabetic Cover?

Diabetic Cover is an insurance product from Aditya Birla Health Insurance offered through Bajaj Finance that provides financial support for medical expenses associated with the treatment of chronic diabetes.

What is the 100% reload benefit against the sum insured in a health insurance policy?

Reload benefit of the sum insured is a feature of health insurance that enables policyholders to have their sum insured reinstated in case it is exhausted once during the policy tenure.

Which tests are covered under the annual health check-up program of the Diabetic Cover?

The tests covered are medical examination report, blood pressure, basal metabolic rate, height-weight ratio, smoking status, fasting blood sugar, and total cholesterol within network hospitals.

What is the initial waiting period for the Diabetic Cover?

The initial waiting period for this cover is 30 days, whereas the waiting period for diseases under the exclusions list is 2 years.

What is the age eligibility to buy this policy?

Anyone between the age of 36 and 50 years can buy this policy, provided they fulfil the other criteria.

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*Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company Aditya Birla Health Insurance Co. Limited. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under Group Protect Policy UIN: ADIHLGP22023V032122. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.