When you are arranging insurance one of the key things that you are going to be asked is if you have any medical conditions.
Type 1 and type 2 diabetics will need to detail their condition to the insurer that they approach for life insurance, critical illness cover, income protection and for some private medical insurance.
Insurers are likely to want to know:
These are the main questions that an insurer will want to know the answers to before they can give you a clear indication as to what insurances they can offer you.
Life Insurance - widely accepted, provided that the condition is well controlled.
Critical Illness Cover - options are limited, some type 2 diabetics may be able to access this policy type on the standard market, type 1 diabetics and the majority of type 2 diabetics will need to apply for specialist policies.
Income Protection - limited options, cover may be restricted to short-term claim policies depending upon your circumstances.
Private Medical Insurance - generally available, the majority of plans will exclude any claims related to the diabetes.
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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.
The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.