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Revision by Alan Knowles on 9th November 2017

Please note that Friends Life are no longer open to new business, however there are other insurance companies that can consider critical illness for diabetics under certain circumstances.

If you would like to know more, please contact us on 0800 567 7450.

Critical Illness Cover for Diabetics?

Friends life critical illness cover for diabetics

Critical illness Cover can help you prepare yourself and your family to have financial security should the worst happen. Friends Life are a well established and reputable company that can offer Critical Illness Insurance to Diabetics in certain circumstances. Being a diabetic, you may think that you could not possibly insure yourself for Critical Illness Cover.

The acceptance criteria is quite strict at present. Friends Life state that to be accepted you must be type 2 diabetic, have very good control of your condition, not be on insulin and have no other risk factors such as high blood pressure, cholesterol or being overweight.

A significant point to make about the Critical Illness policy with Friends Life is that it will exclude a large number of the conditions covered under a standard policy. Many Insurers will not offer diabetics Critical Illness at all. It may not seem fair that so may conditions are excluded from the Friends Life Critical Illness policy if you have diabetes, but at least they do provide cover where others will not. A full list of conditions that will not be covered by this policy are included at the end of this guide.

It may seem as if there is no point in applying for the Critical Illness contract with all of the exclusions that are applied, due to your diabetes. However, have you considered the likelihood of you also being diagnosed with Parkinsons disease or became deaf? Or, suffering from a serious cancer? Whilst we are sure that the last thing you want to think about at the moment is yet another illness, diagnoses of multiple conditions are relatively common.

Below is a list of the 25 Critical Illness conditions that you can claim for on your policy:

  1. Angioplasty
  2. Aplastic Anemia
  3. Bacterial Meningitis
  4. Benign Brain Tumour
  5. Benign Spinal Cord Tumour
  6. Cancer
  7. Carcinoma in Situ pf the Breast
  8. Carcinoma in Situ of the Cervix
  9. Carcinoma in Situ of the Urinary Bladder
  10. Creutzfeldt-Jakob Disease
  11. Crohn's Disease
  12. Deafness
  13. HIV Infection
  14. Liver Failure
  15. Low Grade Prostate Cancer
  16. Motor Neurone Disease
  17. Multiple Sclerosis
  18. Non-malignant Pituitary Adenoma
  19. Parkinson's Disease
  20. Progressive Supranuclear Palsy
  21. Respiratory Failure
  22. Rheumatoid Arhritis
  23. Terminal Illness
  24. Third-degree Burns
  25. Ulcerative Colitis

* Please note that each of these conditions have a definition of severity that must be met to ensure a valid claim. Not all cancers, heart attacks and strokes are covered by any critical illness policy.

Critical Illness insurance provides you with a lump sum of money should you be diagnosed with one of the conditions covered by the policy. The payout that you receive can be used to do whatever you want with it, it is completely up to you. You can pay for counselling to come to terms with your new body, put alarm systems into your home, pay for a carer or spend it all on a trip to the States.

The money you receive for your Critical Illness insurance is there to put your mind at ease by removing the stress of financial concerns at a time that should be all about you. If there was ever a time to focus upon yourself, your family and the future, it is now.

We have in-house specialist Financial Advisers who regularly source Critical Illness Insurance for clients with diabetes. Why not use our online Critical Illness quotation system to find out how much you can protect yourself for. If you would like to speak with one of our diabetic specialists please feel free to call us on free phone 0800 567 7450 or leave your details with your online quotation and we will return your call as soon as possible.

Friends Life diabetic critical illness cover - Excluded conditions:

  • Alzheimer's disease
  • Aorta graft surgery
  • Blindness
  • Cardiac Arrest
  • Cerebral Aneurysm
  • Cerebral Arterious Malformation
  • Cardiomyopathy
  • Coma
  • Coronary angioplasty
  • Coronary artery by-pass grafts
  • Dementia
  • Heart attack
  • Heart valve replacement or repair
  • Kidney failure
  • Loss of independence
  • Loss of hands or feet
  • Loss of speech
  • Major organ transplant
  • Open heart surgery
  • Paralysis of limbs
  • Stroke
  • Type 1 Insulin dependent diabetes mellitus
  • Accelerated payment for heart surgery
  • No benefit will be payable under any Critical illness definitions arising, either directly or indirectly from any form of pancreatic cancer

More Information

  • If you would like more information on obtaining insurance when you have Type 2 Diabetes click here.

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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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.

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