Gestational diabetes Life Insurance applications are considered on an individual basis by insurers who are conscious that the condition will cease once your pregnancy is over. The insurer may ask you details such as your pre-pregnancy weight and current weight, family history of diabetes, any medications that you are taking and if you have had the condition in other recent pregnancies. Depending upon the severity of the condition it is possible that your Life Insurance could be accepted with a premium loading based on your HBA1c rating, or you may be advised to delay your application until after your pregnancy ends.
Life Insurance after gestational diabetes should be even simpler to arrange provided that you have no lasting complications from the condition. Once you are clear of the condition and your blood sugar readings have returned to normal, then your Life Insurance application could be accepted at standard terms.
If on the other hand the gestational diabetes does not stop with the birth of your child then Life Insurance will be available on the same rates as a person with type 2 diabetes.
Critical Illness Cover for people with gestational diabetes is unlikely to be available as you are considered for the time being, to be diabetic, which is notoriously difficult to source Critical Illness Insurance for. However, once your pregnancy has finished and if you are free of gestational diabetes you should be able to secure a Critical Illness policy.
Income Protection for people with gestational diabetes is unavailable due to the increased likelihood that you will take time off work due to the condition. It is also questionable as to whether or not you should take out an Income Protection policy whilst pregnant as you will be paying for a policy that you will not be able to claim on whilst you are on maternity leave. If you are considering Income Protection cover speak to an insurance adviser first.
Once you have returned to work from maternity leave and have recovered fully from the gestational diabetes you should be able to secure an Income Protection policy with ease. This is provided that you do not have any additional medical conditions to disclose and do not work in a special risk occupation.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have gestational diabetes include:
Low amniotic fluid levels
Increased possibility of caesarean section
Medications and Treatments
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Gestational diabetes can occur at any stage within a pregnancy with symptoms subsiding once the pregnancy has ended. Gestational diabetes presents itself when a pregnant woman's body is unable to produce the higher levels of insulin required to remove sugar from the blood whilst pregnant.
The condition can be controlled through a mixture of diet and exercise, but will sometimes require medication to control. It is thought that gestational diabetes can lead to a higher risk of developing type 2 diabetes in later life. Gestational diabetes is more likely to occur if you have had the condition before, are a smoker, have diabetes in your family, have a high BMI, have polycystic ovary syndrome or have previously given birth to a large weight baby (macrosomia).
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