Does Critical Illness Cover Diabetes?

If you’re worried about developing diabetes, you may want to know whether this is covered with critical illness cover.

What is diabetes and how likely am I to get it?

According to Diabetes UK, more than 4.9 million people have diabetes, and 13.6 million people are now at increased risk of developing type 2 diabetes in the UK.

Diabetes is a chronic illness that affects your body’s ability to turn food into energy. To put it simply, your body either doesn’t make enough insulin or can’t use it as well as it should. Insulin is the key to getting blood sugar to your body’s cells.

Genetics can play a part. But, whether you have a family history of diabetes or not, there are many lifestyle factors that can contribute to an increased likelihood of developing this condition.

Diabetes falls into two camps: type 1 and type 2. But what’s the difference? Type 1 is a genetic condition which is more likely to develop earlier in life. However, most cases (90%) are for type 2 diabetes. The latter is largely linked to poor diet choices and an inactive lifestyle. This develops over time and many people can live with this condition without even knowing.

Can I get diabetes added to my critical illness cover?

Most insurers will not add diabetes onto your critical illness cover. However, some conditions that can be related to a potential diabetes diagnosis may be covered. For instance, if you were to receive a limb amputation or become blind as a result of your diabetes condition, you may receive a payout for these circumstances. You just wouldn’t receive a payout on your diabetes diagnosis.

Find critical illness cover today

Contact Agentis today to book your free initial consultation to discuss your critical illness cover options. Our team of professional insurance brokers will talk you through your options and discuss your concerns about diabetes in a sensitive, friendly manner.