Life Insurance applications for people with high blood sugar will be assessed in conjunction with a medical report provided by your GP; at the insurers expense. The insurer will be particularly interested in the cause of your high blood sugar and will take note of any indication of impaired glucose intolerance. Depending upon the severity of your high blood sugar and any other contributory illnesses the insurance provider may offer you Life Insurance at normal terms, special terms (price increase) or in extreme cases decline the cover.
Critical Illness Cover for those with high blood sugar will also require a detailed report from your GP as to the cause of the condition, medications and treatments that are in use, how long it has been since your initial diagnosis, if you have been diagnosed with impaired glucose intolerance and any other contributory illnesses that you have. If your high blood pressure is well controlled and does not present a significant impact upon your health then the insurer may be able to offer Critical Illness Cover at standard terms. In all other circumstances the insurer may choose to offer the policy at non-standard terms or decline the cover altogether.
Income Protection for people with high blood sugar will be reviewed alongside a report from you GP as to your general state of health. The insurer will be interested in establishing if the condition has caused you to have any time off work and if there has been a diagnosis of impaired glucose intolerance. Your Income Protection application may be accepted at normal terms, non-standard terms or declined depending upon the severity of your condition.
Should you find that the terms for Income Protection do not meet your expectations you may want to consider Accident, Sickness and Unemployment Cover. This alternative policy provides a monthly income replacement of between 12 and 24 months should you be unable to work due to long-term disability, injury or involuntary redundancy. Accident, Sickness and Unemployment policies do not take into account your medical history at the acceptance stage so you will be accepted at standard terms for the cover, but they will exclude any pre-existing conditions from the claims set.
Some potential problems experienced by individuals who have high blood sugar include:
Diabetic ketoacidosis (DKA)
Hyperosmolar hyperglycaemic state (HHS)
Medications and Treatments
Increase of insulin
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Hyperglycaemia typically occurs within those who are diabetic and is due to the body being unable to remove excess glucose from the blood stream. The condition can often be controlled with medication and changes to general lifestyle choices. Hyperglycaemia is usually an 'add-on' to another condition and will need to be monitored and treat in combination with the other diagnoses.
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