Updated: July 30, 2019

Critical Illness Cover for Diabetes

Need critical illness cover but have diabetes? Whether it's type 1 or 2, we'll look at how to find suitable cover, and how a diagnosis affects your premiums

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: July 30, 2019

Whether you already have diabetes or you are simply safeguarding against a potential future diagnosis, it can be a tough health condition to have to come to terms with.

Diabetes sufferers are more vulnerable to a range of critical conditions that can impact their ability to work; many take out critical illness cover to safeguard financial stability.

In recent years, insurance providers have been constantly updating products and increasing the flexibility of options available for critical illness cover. So the good news is that whatever your medical situation, with a bit of foresight, your financial health doesn’t have to suffer should your health take a blow.

If you’d like more information about how critical illness cover works with diabetes, contact us on 0808 189 0463 or make an enquiry and we’ll connect you with someone shortly.

Does critical illness insurance cover diabetes?

If you’d like to get cover for any potential loss of income due to a diabetes diagnosis, there are several providers who cover the condition as part of critical illness insurance.

For diabetes sufferers, there are some health-related factors that could impact on your ability to get critical illness cover, including…

  • Whether you are a smoker
  • Your HbA1c levels
  • Your BMI score
  • Whether you have any diabetes complications

If you are diabetic, you’ll likely have to pay higher premiums than those without a diabetes diagnosis. However, there are good options for cover available which don’t have to be expensive if you seek the help of an expert insurance broker. Make an enquiry and we’ll help connect you to an advisor.

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How to get critical illness cover for diabetes

The best way to get critical illness cover for diabetics in the UK is to search the market to find the insurance provider with the best premium rate and policy. The policy terms and amount of cover you can claim for varies from one provider to the next, so it’s best to speak to an expert insurance broker who can place you with the best match for your needs.

This is where we can assist you by putting you in touch with a critical illness cover expert. When staking a claim for critical illness insurance, the difference between success and failure often lies in having taken out the right policy for your needs.

We work with specialists who have years of experience and understand what you need and how to get the best insurance policy and premiums. Make an enquiry to get started.

Critical illness cover for type 1 diabetics

Type 1 diabetes, or insulin dependant diabetes, is covered by several critical illness cover insurers.

The following providers offer plan variations for type 1 diabetes for both adults and children:

  • AIG
  • Canada Life
  • Guardian
  • Royal London
  • Zurich Select

LV= and Old Mutual Wealth restrict their type 1 diabetes critical illness cover to adults.

The above list is merely a handful of the critical illness insurers out there and there’s no guarantee any of the ones mentioned are the right fit for your profile.

What’s more, approaching one of them directly means you will only have access to their deals and could miss out on policy that’s potentially a better fit for you elsewhere.

With these things in mind, the best way to find the right critical illness cover for diabetes is to apply through a whole-of-market broker. They have access to every insurer in the market, so you can rest assured that you will be matched with the best plan for your needs and circumstances.

Critical illness cover for a child with type 1 diabetes

The peak years for a type 1 diabetes diagnosis are between the ages of 10 to 14, so you may wish to take out diabetes insurance cover for your child.

Some providers may advise you that if you already have diabetes, you are unable to take out insurance. However, with the help of a specialist insurance broker, this doesn’t have to be the case.

Make an enquiry and we’ll put you in touch with an insurance specialist. Getting advice from an expert insurance broker will ensure you’ve got the right cover for your needs at the cheapest price.

Critical illness cover for type 2 diabetes

Type 2 diabetes is by far the most common form of diabetes, accounting for up to 95% of adults’ diabetes diagnosis. This sometimes makes it easier to get insurance for than type 1 diabetes, but how much cover you can take out and the premiums you pay will depend on your situation and health-specific factors.

If you’re looking for type 2 diabetes cover, it’s important to carefully research which providers insure against this condition and compare their policies.

However, this can be a time-consuming and complex process, so if you’d like help in finding the right insurer, make an enquiry.

We work with specialist insurance brokers who have access to policies that can make sure you’re covered for both type 2 diabetes and any future diabetes-related critical conditions.

Speak to an expert advisor about critical illness cover for diabetes today!

Any longer-term loss of income due to diabetes can have serious repercussions, especially if you have a family or a mortgage which is dependant on your income. Diabetes sufferers are also three times more likely to suffer from a stroke or heart disease.

So, if you have diabetes or could be prone to getting it due to your family medical history, critical illness cover could be vital to protecting your assets. Working with an insurance expert who has their nose to the market will ensure you get the best policy and premium rates for your situation.

Call us on 0808 189 0463 or make an enquiry and we’ll do the hard work of matching you with the right expert for your situation.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in critical illness cover. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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