Diabetes income protection
Here we look at how to get income protection for diabetics and the best options that are available for people with diabetes so you’re properly protected if you can’t work.
Income protection is designed to replace your income, usually for 12 or 24 months, but there are other options available depending on what you are looking for. You would generally take out this type of cover if you don’t receive sick pay from your employer or if you’re self-employed with a smaller business.
Income protection for diabetics is available with some limitations which we’ll explain in this section of our website and answer some of your most common questions.
Why are we diabetes income protection experts?
We’re extremely proud to be one of the UK’s leading insurance experts for people with pre-existing medical conditions, like diabetes. Our team of passionate diabetes experts is rated 5.0 out of 5.0 on Feefo by over 1,000 of our customers.
We were thrilled to be awarded the Feefo Platinum Trusted Service Award 2024 for more than 4 years worth of OUTSTANDING customer reviews!
We’ve also got one of the most comprehensive panel of TOP insurance partners in the UK so you get the best rates and a wide range of options.
Diabetes facts & statistics
- 4.9 million people in the UK have diabetes
- 13.6 million people have an increased risk for Type 2 diabetes
- 850,000 people live with undiagnosed Type 2 diabetes
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Diabetes and income protection insurance
There are two main reasons for wanting more informaiton about income protection with diabetes which are, if you have diabetes already then will it payout? and can I get income protection with diabetes?
We’ll explain all about how it works and answer your most frequently asked questions about diabetes income protection.
Will income protection payout for diabetes?
YES – you should be able to claim on an existing income protection policy for diabetes-related sickness and time off work. Most income protection policies will pay out for a period of 12 to 24 months, depending on your policy.
Having income protection can be extremely valuable to someone with diabetes to help through periods of sickness and absence from work. You can also have this type of policy if you are self-employed to provide financial support if you can’t work.
Main reasons why you might not be able to work due to diabetes:
- Retinopathy (eye problems)
- Neuropathy (nerve damage)
- Hypoglycaemic attack
- Diabetic coma
- Low blood sugar
- Nephropathy (kidney damage)
Type 1 and type 2 diabetes can both cause complications or long-term sickness that might result in extended periods of absence from work. It’s better to be prepared for this before anything happens and get the right cover before you are even diagnosed with a health condition.
Income Protection Insurance provider reviews
Medical conditions linked to diabetes
There are a number of health and lifestyle conditions that are closely linked to diabetes or can be caused by diabetes if not well controlled
- High BMI (most commonly linked to type 2 diabetes)
- Raised blood pressure
- Raised cholesterol
- Heart attack
- Stroke
- Kidney disease (nephropathy)
- Eye problems (retinopathy)
- Nerve damage (neuropathy)
- Gum disease
- Amputation
- Cancer(s)
If diabetes is not well managed then you might find that there are other problems that can develop.
Can diabetics get income protection?
It is also now possible for someone with diabetes to get income protection insurance which is a very new addition.
For more information, you can contact one of our income protection experts by calling 0800 009 6559 or click here to find out more.
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Diabetes UK
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