Can diabetics buy a term insurance plan in India?

Yes, diabetics can buy term insurance plans in India, provided they meet the eligibility criteria specified under the plan.

Does having diabetes increase the premium of a term insurance plan?

Diabetes is a health risk which affects mortality risk. As such, having diabetes might increase the premium.

Which type of diabetes is accepted by term insurance providers—Type 1 or Type 2?

Usually, term insurance providers provide coverage for Type 2 diabetes.

Is a medical test mandatory for buying a diabetic term insurance plan?

The requirement for medical tests might depend on your age and the sum assured selected. That being said, to buy a diabetic term plan, insurers might conduct a medical check-up to assess the severity of diabetes before the policy is issued.

What documents are required to apply for term insurance if I have diabetes?

The common documents needed to buy term plans include your identity proof, address proof, age proof, KYC documents, etc. For diabetics, medical examination reports and a diabetes questionnaire might also be needed.

Are there waiting periods for diabetics in term insurance plans?

Usually, there are no waiting periods for diabetics in term insurance plans.

What factors affect term insurance eligibility for diabetic patients?

Various factors affect term insurance eligibility for diabetics. Some of the common ones include the following – Entry age Type of diabetes – Type I or Type II Hb1Ac levels. Co Morbidities

Can a diabetic person buy term insurance online without medical tests?

Diabetics can buy online term insurance plans. However, medical tests might be required for underwriting the policy. So, diabetics can submit an online application to buy the plan, but they might have to undergo medical tests before the policy is issued.

How can a person with diabetes get affordable term insurance coverage?

Persons with diabetes can get affordable term insurance coverage by – Comparing the different term plans available and choosing the plan that offers the most competitive premium rates without skimping on the coverage Choosing an adequate sum assured. Some plans offer rebates for choosing higher sum assured levels that can reduce the overall premium outgo Paying premiums annually (other frequency modes might have a modal loading that might increase the annualised premium) Maintaining a healthy lifestyle and avoiding tobacco consumption Buying a term plan at a younger age (premiums are low for younger individuals)

What is a good HbA1c level for term insurance for diabetics?

Many insurers prefer HbA1c levels below 7% or 8%. Better sugar control can improve your chances of approval and may reduce the premium loading.

Is there any discount for choosing a higher sum assured?

Yes. If you choose a sum assured above ₹1 Crore, you may be eligible for a High Sum Assured Rebate (HSAR), which reduces your premium.

Is GST included in the premium for term insurance for diabetics?

No, as of September 2025, all individual term insurance premiums, including diabetic term plan premiums, are exempted from GST.

Buy Term Insurance Plan for Diabetics in India 2026

Calling From	Phone Number
Calling us from INDIA
Rest of the World

Applicant Type	HbA1c Requirement	Eligible?
Pre-diabetic	5.7% – 6.4%	Yes — most favourable premiums
Type 2 diabetic (controlled)	6.5% – 8.0%	Yes — premium reflects HbA1c level
Type 2 diabetic (uncontrolled)	Above 8%	Not eligible under this plan
Type 1 diabetic	Any	Not covered under this plan

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Life Insurance Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

¹©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

Term Insurance for Diabetics in India

Maximum

Why Bajaj Life Insurance ?

Customer Speaks

Life Insurance Guide

Frequently Asked Questions

Lowest Premium Guaranteed*