Type One
Here at insurance for diabetics, we think it is simply unfair that you are declined cover.
Depending on how well controlled your Type One Diabetes is you may be able to get limited cover.
This will be at increased premiums over 200% from standard and that is if you can get through the insurers underwriting process which takes time, blood tests and a medical exam with your GP.
3 Reasons why we think insurers treat you unfairly when you have Type One Diabetes
1
It is virtually impossible to get income protection. Why should you not be able to provide for your family and loved ones simply because you happen to be suffering from a medical condition that you never asked for.
2
Because you are declined for life insurance and Income protection what happens if you get a serious illness like Cancer or Brain Tumor? What happens if you were in a major car accident and couldn’t work again? Why shouldn’t you be able to protect yourself and provide cover for other major diseases or unexpected medical events that have no link to Type 1 diabetes.
3
Because you can’t get income protection by default you are unable to get redundancy cover. Is that fair?