Life Insurance for people with diabetes insipidus may be available at standard terms. Your Life Insurance application will generally need to detail what type of diabetes insipidus you have, the cause of the condition, if any medications are in use, if you are due any follow ups and if your symptoms are well controlled. The insurer you approach will want to see a report from your GP, at their own expense, detailing your medical history and current state of health. It is possible that your Life Insurance application may be accepted at standard terms, non-standard terms (premium increase) or declined. It is also possible that your application could be postponed for a set period of time until treatment and/or your symptoms stabilise.
Critical Illness Cover for those with diabetes insipidus may be available at non-standard terms, depending upon the insurer that you place your application with as not all will accept the application. Similarly, the insurer will want to see a report from your GP confirming the specific form of the condition that you have, if there is any known cause for its onset, the medications that are currently in use, any future checks or treatment that are due and how your general state of health is. Depending upon who you place your Critical Illness Cover with you may be able to access cover at non-standard terms (premium increase). Again, there is the potential that your application for Critical Illness Cover will be declined depending upon the application details and/or the insurance provider that you use.
Income Protection for people with diabetes insipidus may be available at non-standard terms with certain insurers. The insurance provider will use a report from your GP alongside your insurance application to see if they can offer you terms of cover. The insurer will be particularly interested in any extended periods of time you have had off work and if this was due to your condition. Where Income Protection is available it will be at rated terms which will involve a premium increase.
There are some insurers that will automatically decline your application for Income Protection but you may be able to challenge this on a case by case basis.
If you are unable to secure Income Protection Insurance or are unhappy with the terms of cover received, it may be worth considering Accident, Sickness and Unemployment cover. An Accident, Sickness and Unemployment policy will provide your with short-term income replacement if you are unable to work due to disability, long-term injury or involuntary unemployment. These policies are not medically underwritten at the time of application meaning that the cover you are given will be accepted at standard terms. However any claim that you place will be subject to medical underwriting and exclude any claims relating to existing conditions.
Some potential problems experienced by individuals who have diabetes insipidus include:
Dry mouth and lips
Confusion and irritability
Medications and Treatments
Non-steroidal anti-inflammatory drugs (NSAIDs)
Proton pump inhibitor (PPI)
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Diabetes insipidus is caused by an issue with the hormone vasopressin (antidiuretic hormone (ADH)). Diabetes insipidus occurs when there is a lack of ADH in the system or when the kidney does not respond properly to the vasopressin that is there. The condition is primarily diagnosed when an individual experiences excessive urination and potentially the addition of excessive thirst.
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