Gestational Diabetes & Life Insurance

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Gestational Diabetes & Life InsuranceWhen you have children it’s quite common to start thinking about insurances and making sure that they will be safe if something happens to you.

Having gestational diabetes can raise a few more questions when you apply for life insurance. It’s important to choose an insurer that is supportive of your situation and your new arrival.

When you apply for life insurance, gestational diabetes will need to be disclosed with most protection insurers.

You are likely to be asked these questions:
  • When did you develop gestational diabetes?
  • How many times have you had the condition?
  • What is your current weight?
  • What was your pre-pregnancy weight?
  • What are your symptoms?
  • What medication have you needed?
  • If you have had your baby, are you now fully recovered?

Your application for life insurance will be looked at on a case by case basis. Everyone is individual, so it is not possible to say for definite what the insurer might say.

If your HbA1c is high, it is possible that life insurance may be offered to you at a higher premium. This might seem frustrating, but it is sometimes a good idea to accept the offer and then review your insurance once you no longer have gestational diabetes. Our expert advisers will present the different options to you and help you decide on what feels right for you.

Arranging life insurance after you have had gestational diabetes should be quite simple to arrange, once you are fully recovered.

Once you no longer have gestational diabetes, your blood sugar readings are back to normal and you have no lasting complications. then life insurance could be offered at normal terms.

If you continue to have diabetes after the birth of your child, life insurance will most likely be offered in a similar way to a type 2 diabetic.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Getting critical illness cover when you have gestational diabetes is unlikely to be available with most insurers. This is because it’s not easy to get critical illness cover when you are diabetic.

There are specialist critical illness policies that you can apply for, but eligibility is quite strict. This means that there are critical illness policies out there, but it’s really important to get advice so you know exactly what you are and are not getting.

Once your pregnancy has finished and you no longer have gestational diabetes you should be able to get a critical illness policy with most insurance providers.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income Protection for people that have gestational diabetes is unavailable on the standard market. This is because of the increased risk of you being unable to work due to the diabetes.

There are some specialist income protection policies that can be arranged, but these are dependent upon quite specific circumstances.  

It’s important to know that if you are pregnant and want this policy that is fine, but you will be paying for a policy that you will not be able to claim on whilst you are on maternity leave. That isn’t to say that you shouldn’t take it out, but there are a lot of things to consider before you do.

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 easily.

If you have any ongoing symptoms or complications after your pregnancy, then your application may be reviewed in a similar way to a type 2 diabetic.

For some people income protection may not be available, or you may simply not like the terms that you are being offered. If you are in this situation you may wish to consider Accident, Sickness and Unemployment cover instead.

This policy type can replace your income fore 12-24 months if you are unable to work due to long-term injury, disability or involuntary redundancy.

Accident, sickness and unemployment cover is not medically underwritten, which means that your diabetes will have no bearing on you getting the cover. But, most policies will not cover claims relating to pre-existing conditions.

Are you travelling abroad? We have teamed up with a specialist broker who can answer your questions about diabetes and travel insurance. Please visit our dedicated travel page here.

To see the transcript for this video, please visit our diabetes page.

What is Gestational Diabetes?

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).

Also: Gestational diabetes mellitus (GDM), diabetes in pregnancy

Linked with: Gestational hypertension, hyperglycaemia, pre-eclampsia, type 2 diabetes

Some potential problems experienced by individuals who have had gestational diabetes:

  • No symptoms at all
  • Excessive thirst
  • Frequent urination
  • Tiredness
  • Regular infections
  • Blurred vision
  • Low amniotic fluid levels
  • Increased possibility of caesarean section
  • Premature labour
  • Aspart
  • Diet
  • Exercise
  • Gilbenclamide
  • Lispro
  • Metoformin

Common Questions

No, it’s not right. There are a number of options that can be looked at for you. I don’t know the details of your diabetes, but what I can say is that there are lots of insurers to look at.

If for whatever reason life insurance isn’t available on the standard market, there are specialist insurers we can look at for you. They don’t necessarily cost silly amounts. 

Now. We always think there is no time like the present to try and get insurances in place. You never know what is around the corner. 

It may be that for a while your life insurance application is treated like a type 2 diabetic, but there should be a different options available for you.

There are also some insurers that offer a small amount of free life insurance for new parents. It sounds too good to be true, but it is genuine I did it with all 3 of my children. There are no tie-ins and you don’t have to give over any bank details. I cannot give you advice on taking out these policies, but I think it’s important that you know that they are there.

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The Special Risks Bureau has been rated 5 out of 5 based on 374 reviews.

Review by Stana on 16th April 2020

Excellent service - Kathryn was very helpful, listened to what I needed and kept me updated. I'm very happy with the cover found and would definitely recommend Cura. - 5 

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Gestational Diabetes & Life Insurance

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Gestational Diabetes & Life Insurance

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