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Health Insurance for Diabetics guide 2024

One of the most common questions that people ask us about health insurance, is ‘can I get health insurance with a pre-existing medical condition?’. Health insurance for diabetics is a common condition amongst those where consumers are asking if they can get private medical insurance.

Often, consumers are put off applying for health insurance for diabetics because they think it will won’t give them value or protection with a pre-existing condition. There’s still a lot to think about with health insurance for diabetics and a lot of potential benefits for getting cover.

It’s true that health insurance will exclude pre-existing medical conditions such as diabetes, but it does cover lots of other extremely valuable areas of your health. In this guide to health insurance for diabetics, our team of medical insurance experts looks at the Pros and Cons of this type of cover and answers to the most common questions.

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60-Second Summary – Complete guide to Health Insurance for Diabetics 2024

One of the biggest barriers to people taking out health insurance in the UK is due to having pre-existing medical conditions, like diabetes. The latest figures for the UK suggests that there are an estimated 4.3 million people living with diabetes and a further 850,000 who are undiagnosed.

Health insurance for diabetics is there to compliment and support the treatment that you receive from the NHS for your diabetes. Private medical insurance doesn’t cover chronic conditions, but it does provide extra levels of care for lots of other very useful things, such as cancer cover.

  • Health insurance for diabetics can actually be cheaper than standard health insurance because of the exclusions that would often be applied.
  • Full Medical Underwriting (FMU) is specifically for people with pre-existing health conditions like diabetes so that they pay a fairer price for their cover.
  • Diabetes health insurance is specifically designed to compliment the treatments that you would receive through the NHS which is currently one of the best health services for diabetes in the world.
  • Key areas of health insurance that are extremely useful for diabetics are cancer cover, mental health treatments, therapies cover, out-patient care, and musculoskeletal treatments.

The simple answer is yes, diabetics can usually have health insurance and it really is down to your individual preferences to decide if you want it or not. Health insurance has definitely changed and the products are improving slowly for people with chronic medical conditions like diabetes.

Private health insurance can provide peace of mind that private health care will be affordable if you need to use these services.

Health insurance for diabetics still provides extremely useful and important benefits in the same way as anyone else. It is a common myth that health insurance isn’t available for people with diabetes or that it won’t be worthwhile, which isn’t necessarily true.

A person who has been diagnosed with diabetes type 1 or type 2 will be asked various questions about their medical history when they apply for health insurance.

There are some potential circumstances where health insurance may not be suitable for someone who has developed diabetes, due to the severity of their condition or symptoms.

Points when diabetes health insurance might not be suitable or worthwhile:

Note: Where the diabetes symptoms are severe or there are complications, it might not be as cost-effective or useful for you.

There are lots of different health insurance companies to choose from and it’s difficult to know which is the best, especially for people with diabetes and other chronic conditions. We also know that there are definitely better options when buying health insurance for diabetics, simply because they have specific options for people with diabetes.

Getting the very best options for diabetic health insurance might also not necessarily be the cheapest insurance company either. When it comes to health insurance, you do generally get what you pay for and especially if you’ve got a pre-existing condition like diabetes.

Diabetes symptoms | Signs of all types of diabetes | Diabetes UK

Diabetes can have a big impact on your health, and this helpful video from Diabetes UK (above) explains the main symptoms of diabetes and what to watch out for.

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The Exeter

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The Exeter is considered to be a market-leading insurer for people with Diabetes and other Pre-existing medical conditions. It offers a range of insurance products, including:

We work very closely with The Exeter which is a leading Friendly Society that specialises in insuring people with pre-existing medical conditions, such as diabetes. This is also true for The Exeter Life Insurance business as well which is a leading insurer for medical conditions life insurance.

Why is The Exeter different for diabetic health insurance?

Health+ from The Exeter is a unique and innovative approach to medical underwriting for health insurance. It offers a flexible alternative to traditional underwriting that is more well-suited for people with chronic conditions, such as Diabetes.

The main benefit to the Health+ product from The Exeter is that is can cover complications that are linked to your pre-existing condition. This is highly unique in diabetic health insurance and it can offer additional cover that can be extremely valuable to people with diabetes.

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You might think that having diabetes can mean that your health insurance is either more expensive, or less value for money. Generally, health insurance for people with diabetes is the same price or potentially can sometimes be cheaper than standard health insurance.

Health insurance is more expensive for diabetics

Health insurance plans don’t actually cost more for people with type 1 or type 2 diabetes or other pre-existing medical conditions. There are two underwriting methods that you can use which are Moratorium Underwriting which is the same price for diabetics (but not the best value) or Full Medical Underwriting that can be cheaper but will automatically exclude medical treatment for any health problems connected to diabetes.

Health insurance for diabetics isn’t good value for money

Health insurance is not designed to cover chronic medical conditions and it often compliments your traditional NHS treatments. There are lots of elements of health insurance that are extremely valuable for people with diabetes, such as:

  • Cancer cover
  • Mental health therapies and counselling services
  • Dental cover
  • Outpatient care
  • Musculoskeletal treatments or surgeries

Traditional health insurance typically provides cover for cancer, mental health, and musculoskeletal problems (e.g. joints, muscular, tendons etc.).

Note: You should check your policy wording very carefully and compare several different insurers when comparing prices for diabetic health insurance. It’s not always true that the cheapest option is the best option with health insurance.

Health insurance does not cover chronic medical conditions such as diabetes and it’s not designed for this purpose. As a rule, each insurer will have its own approach to medical underwriting and exclusions so it’s worth comparing several when you’re getting quotes, and it’s not just down to price.

Most health insurance policies for diabetics will come with some common exclusions, that can be applied upfront (full medical underwriting) or retrospectively (moratorium underwriting).

Common exclusions for diabetes health insurance:

Diabetes is known to be linked to a number of complications and potential risks for developing other medical problems. Health insurance will often (but not always) exclude these at outset and won’t usually cover them throughout the life of the policy.

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There are a few potential options that can help you to save money on your health insurance with diabetes. You might think that health insurance is more expensive for people with pre-existing medical conditions, but it can be quite the contrary.

Some potential options to help reduce the cost of diabetic health insurance:

  • Full Medical Underwriting can be used for people with pre-existing medical conditions like diabetes, which will ask for your medical details when you apply for cover. This is often a better option for people with chronic medical conditions because you’ll know at the outset what is and isn’t covered. Any major exclusions to your policy should be subtracted from your premiums and you effectively won’t pay for the bits that aren’t covered.
  • Get advice from a specialist can help you to compare all of the top insurance providers and find the best cover in one go. Many people naturally think that speaking to a health insurance broker is going to cost more or that they will have to pay higher premiums, which isn’t true. A good health insurance expert should be the same price or even cheaper than applying online or direct to an insurer.
  • Quit smoking if you are a smoker can mean that your premiums will reduce and hopefully the risks of health issues will also be lower. There are many health and financial benefits to giving up smoking, health insurance is no different.
  • Review your renewals every year on your policy anniversary could help to save you money by checking to see whether there are any cheaper or better options. Several health insurance providers offer ‘Switch & Save’ options that can help reduce your premiums when you renew an existing policy.

Note: Health insurance for diabetics can still offer great value for money and can be extremely valuable for those looking to cover treatments outside of the NHS.

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Many people who are looking for health or life insurance for diabetics, will be unsure of what their best options for cover are. Some people may even be concerned that cover won’t be available at all or that the application process will be far too difficult to be worthwhile.

Health insurance for diabetics is as much about quality as it is about price, and so comparing different options can help to save you money and give you better cover. A good health insurance broker or specialist will help you to compare all of the top options and the lowest premiums.

Top reasons for using a diabetic health insurance broker:

  • Compare all of the top insurers in one application / conversation
  • Less time searching different insurers
  • Helps to reduce your premiums
  • Get the best cover (fewer exclusions)
  • Rewards and benefits (e.g. £100 Amazon voucher)

If you need help to find the best diabetic health insurance options then you should speak to one of our friendly private medical insurance experts. CLICK HERE for more information or contact 0800 009 6559 today.

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What is the average cost of health insurance UK?

One of the top questions that people ask about health insurance is, ‘how much does it cost on average per month?’. According to recent research taken in 2023, the average cost of a health insurance is £86 per month for a standard personal protection policy. Health insurance policies can vary dramatically based on your age and the type of cover that you need, as well as which insurance provider you choose.

Most core health insurance policies will provide a similar level of protection and coverage for private medical treatments. You can tailor your health insurance policy to suit your needs and your budget by changing the benefits and levels of cover that you receive.

Is health insurance worth it?

Health insurance is the same as most other personal protection policies that you can buy, it is down to your own personal preference and attitude to risk. The other major issue is whether you can afford to pay for health insurance every month because it can be expensive.

If you ever need to claim on your health insurance policy then the benefits can be life changing and even lifesaving. The medical treatments and care that is provided by the NHS in the UK is among the best in the world, especially for chronic illness. Unfortunately, it is a well-known fact that the NHS is struggling to meet demand and that the levels of private medical treatment are generally far superior to public health treatments.

Example: If you needed knee surgery then you would have to wait for months or even years on the NHS, whereas private health insurance will give you access to better treatment, leading specialists, and within weeks usually. Rehabilitation and therapies cover that are also provided by most health insurance policies can be invaluable, especially if you are self-employed for example.

Is private health insurance better than the NHS?

Currently, the biggest issue with the NHS is the waiting times for any consultations and access to treatments, because of how stretched its resources are. The NHS provides some of the best care in the world for chronic illnesses and diseases, such as diabetes, MS, epilepsy, and asthma.

Health insurance is designed to complement and support the treatment that you can receive on the National Health Service, as well as giving you access to specialists for other medical issues such as musculoskeletal issues and cancer treatment, which are also the top reasons for claims on health insurance cover.

The main issues with NHS treatment currently and reasons for people taking out health insurance:

  • Long waiting lists for consultations, results and treatment
  • Overcrowded hospitals
  • Lack of beds
  • Shortages of NHS nurses and doctors
  • Some treatments not available (especially cancer treatments)
  • Specialists only available on private health insurance
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What is the best health insurance UK?

There are lots of different policy options when considering health insurance as well as your choice of several main insurance providers. The other consideration is whether you don’t take out health insurance and opt for receiving treatment on the NHS or paying for treatment yourself as and when you need it.

We’re constantly reviewing the top health insurance companies in the UK to find out which provide the best service, value, products and treatments. Based on our most recent reviews we suggest the following as the best health insurance UK 2023:

  1. Aviva Healthcare Solutions (Trustpilot score: 4.1 out of 5.0)
  2. BUPA Health Insurance (Trustpilot score: 4.0 out of 5.0)
  3. Vitality Personal Healthcare (Trustpilot score: 3.9 out of 5.0)
  4. Exeter Health+ (Trustpilot score: 4.4 out of 5.0)
  5. AXA PPP (Trustpilot score: 4.1 out of 5.0)
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Best Private Health Insurance 2023 - iam|INSURED

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