Are diabetics eligible for critical illness insurance coverage?

There are multiple ways of buying a critical illness cover. One alternative is to buy a stand-alone critical illness plan. Both general and life insurers offer stand-alone critical illness plans. You can evaluate the benefit offered by these plans on two broad parameters. First, consider the total number of critical illnesses covered. The higher the number of illnesses, the better the plan. You have many plans offering coverage for 4 to 30 illnesses. Second, evaluate the survival period in the plan. Survival period is the threshold within which if the policyholder dies after the illness is diagnosed, then the claim is non-payable.