India’s rising diabetes burden is prompting health insurers to rethink pricing models, underwriting norms, and long-term risk strategies. On World Diabetes Day, industry experts say the shift is visible not only in premiums and claims but also in how insurers integrate wellness, monitoring and chronic-care management into product design.

Across the board, insurers report two broad developments:

Greater scrutiny of metabolic risk during underwriting, and

A transition toward preventive, digitally assisted plan structures that seek to curb long-term claims.

Premiums reflect higher chronic-risk exposure, but approaches vary

While insurers confirm that diabetes elevates risk, they differ in how they balance affordability with actuarial prudence.

According to Aditya Birla Health Insurance’

See Full Page