Q: Is the diabetes care policy of ICICI prudential an ultimate answer for diabetic patients? Will it prove to be an economically viable option if I switch over from LIC and Metlife to diabetes care?

A:The ICICI policy is good for diabetics though not the ultimate answer, you can expect more variations to come in due course of time in the industry. It may be good option for you if you can look up for a general insurance (health insurance) product, which covers pre existing diseases. Many such products are available in the market today including those, which provide cover for diabetes related complications after a waiting of certain number of years (moratorium period) usually 2 - 4 years. For this you may want to look up the offerings of Bajaj Allianz, individual group covers offered by Max Health Care under Max Happy family etc.