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World Diabetes Day 2023 – Diabetes life insurance

World Diabetes Day 2023 – Guide to Diabetes life insurance

World Diabetes Day happens in November every year and is a day to celebrate everyone living with diabetes and the amazing achievements in diabetes care and research.

This is a time where charities and organisations across the globe come together to raise awareness of diabetes symptoms and campaign for fair access to diabetes care for all.

Diabetes is a treatable condition that shouldn’t stop you from living your life to the fullest. With the right treatment and symptom management, diabetics can live long and happy lives.

World Diabetes Day is a global event celebrating everyone in the world living with diabetes. The very first world diabetes day was in 1991 and was arranged by IDF and the World Health Organisation (WHO).

It is one of the biggest diabetes awareness campaigns in the World, with more than 1 billion people celebrating every year.

The reason that the 14th of November is World Diabetes Day is because it is the birthday of Sir Frederick Banting, one of the co-discoverers of insulin.

This year, World Diabetes Day falls on Tuesday 14th of November 2023. This day is a great opportunity to help raise awareness of diabetes and the signs and symptoms to recognise which can lead to earlier diagnosis.

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There has actually been an ongoing theme for World Diabetes Day since 2021 which has been ‘Access to Diabetes Care’.

Better access to diabetes care and treatment can help prevent type 2 diabetes and complications. amazing organisations such as Diabetes UK we are caught every year it’s campaign for better access to care and more awareness of early symptoms of diabetes.

The sooner diabetes is caught the less damage can be done, and many people with diabetes will live happy and healthy lives. Knowing about the risks around developing type 2 diabetes can help reduce the number of cases that are diagnosed.

There are some easy and simple ways to do your part and show your support for people living with diabetes and to encourage diabetes awareness. You can:

  • The World Diabetes Day website suggests ‘exercise in blue’ – wearing an item of blue clothing while exercising to help raise awareness of type 2 diabetes
  • Join the ‘Global Diabetes Walk’ which was introduced by the World Diabetes Foundation where you walk to promote the importance of exercise and healthy living in reducing diabetes risk and symptoms
  • Share helpful resources with others in person, online or on your social media (using #WorldDiabetesDay and #EducationToProtect)
  • Take an online diabetes education course so you are more aware of symptoms and what to watch out for
  • Organise your own event to raise money for diabetes charities

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Early diagnosis can be key to helping too get the right treatments or even reverse diabetes (in the case of type 2). Being aware of which symptoms could indicate diabetes can help you spot them in yourself or others. Here are the most common symptoms of diabetes to be aware of:

  • Increased thirst
  • Frequent urination (especially at night)
  • Tiredness/fatigue
  • Weight loss
  • Itchiness in the genital area
  • Recurring yeast infections
  • Blurred vision
  • Fruity smelling breath
  • Cuts or grazes that don’t heal

There are some amazing charities in the UK that offer support and resources to people who have diabetes, have family members with diabetes or simply have questions about the condition.

You can speak to charities and organisations such as:

Diabetes UK logo

Diabetes UK

Diabetes UK is the UK’s biggest and best known diabetes charity who work to raise awareness of diabetes in the UK. One of their main focuses is on diabetes prevention and helping people with diabetes live long and happy lives.

They have a range of resources and guides available for their supporters and an online forum where people living with diabetes can connect and share advice and helpful resources.

Contact details

Online – Diabetes UK – Get in touch

Telephone – 0345 123 2399 (9AM – 6PM Monday to Friday)

diabetes.co.uk logo

diabetes.co.uk

Diabetes.co.uk is an online community forum for people living with diabetes, their family members and friends and supporters or carers. It is one of the biggest online resources and forums for people living with diabetes.

Their website includes popular guides to various types of diabetes and how to recognise symptoms. There are also useful pages which include tips on reducing sugar and how to place type 2 diabetes into remission.

Contact details

Join the forum – Diabetes.co.uk Forum

Online – Get in touch

JDRF logo

JDRF

JDRF are a global organisation who work hard to fund research into type 1 diabetes, in an effort to end this condition worldwide. their vision and mission is ‘a world without type one diabetes’.

They have some brilliant resources for type 1 diabetics on their website, including helpful information about living with type 1 diabetes and basic knowledge for people who are newly diagnosed. There’s also an online community there, where people across the world can share their knowledge and advice.

Contact details

Online support – Type 1 Diabetes Online Support Team

General enquiries – JDRF Supporter Questions

Can I live a normal life with diabetes?

YES – It is definitely possible to live a normal life with type 1 or type 2 diabetes.As long as you take any medications prescribed and control your symptoms well, you should still be able to live a long and happy life.


What happens if I’m diagnosed with type 2 diabetes?

If you are diagnosed with type 2 diabetes, you may be at higher risk for other medical conditions such as heart disease or stroke. You will usually be prescribed medication to treat your diabetes (though sometimes diet and lifestyle changes will be enough).

If your doctor believes you are at risk of other conditions, you might be prescribed other medications such as blood pressure medication.


What is the difference between type 1 and type 2 diabetes?

With type 1 diabetes, the condition is caused because the pancreas doesn’t make insulin or your body attacks the cells that make insulin. Type 1 diabetes is usually genetic, whereas type 2 may be caused by lifestyle factors.

With type 1 diabetes, the condition is caused because the pancreas doesn’t make insulin or your body attacks the cells that make insulin. Type 1 diabetes is usually genetic, whereas type 2 may be caused by lifestyle factors.


Can you be diagnosed with type 1 diabetes later in life?

While type 1 diabetes is most commonly diagnosed in children, it is possible that it can develop later in life.

It is important to speak to your doctor if you notice any signs or symptoms of type 1 diabetes, so they can test you for the condition and prescribe treatment if needed.

YES – It is absolutely possible to get great life insurance with diabetes, in fact some insurers can offer specialist policies for diabetics!

The key to finding the best cover is knowing where to look and which insurers will offer the fairest pricing. This is where it can be helpful to speak to a diabetes life insurance expert wit the right background and expertise.

Our team are proud to have more than 20 years worth of expertise in diabetes life insurance and know exactly which providers will offer great benefits and the best pricing.

Speak to a life insurance expert

Getting the right diabetes life insurance has never been easier than it is today…
Speak to our friendly team of experts to compare the best life insurance quotes

Here is a list of our TOP insurance guides for people living with diabetes.

HSBC Life announce critical illness cover for Type 2 diabetes

HSBC Life announce critical illness cover for Type 2 diabetes

Our trusted insurance partner HSBC Life has announced new rules around critical illness cover which should make things much easier for people living with type 2 diabetes.

HSBC Life previously wouldn’t offer critical illness cover to people with type 2 diabetes as a general rule. Following a lot of research and development, HSBC has decided to start offering critical illness insurance to applicants with well managed type 2 diabetes symptoms.

HSBC logo

Who is HSBC Life?

Most people in the UK will know of HSBC because they are one of the biggest banks on the UK high street. Not everyone will be aware that HSBC also sell insurance products under the name HSBC Life.

They primarily specialise in life insurance but also sell policies like income protection and critical illness insurance. They have a great claims record – paying out 99% of their life insurance claims in 2021 and 95.5% of their critical illness claims.

HSBC Life is now using enhanced processes to better assess applications from people with type 2 diabetes. This involves a nurse screening that is processed digitally, allowing for faster (even instant) decisions from HSBC Life about whether they will offer cover.

This means many people with type 2 diabetes will be able to get cover easily without the hassle of a GP report or extra medical questions. This innovative approach makes things much simpler and fairer for people living with diabetes in the UK.

Jen Carhart, Head of Underwriting and Claims at HSBC Life (UK) Ltd, has said:

“To be able to realize this without further burden on the NHS and continue to build on digital innovation is a testament to how the world of Underwriting is evolving to support customers and their needs.”

More and more people are being diagnosed each year, with an estimated 4.3 million people currently living with type 2 diabetes in the UK. This is a staggering amount which accounts for around 9% of the overall population of the UK.

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In previous years, it was difficult (impossible with HSBC) to find critical illness cover for diabetes due to the associated health risks. Insurers simply didn’t want to take the chance on offering cover due to the various complications that can come from diabetes. Thankfully more insurers now provide this option to make things fairer.

The insurance landscape is now changing for the better with HSBC Life helping to pave the way. To be eligible for a critical illness cover policy with HSBC Life you must:

  • Have well managed diabetes symptoms
  • Be a non smoker
  • Have good levels of cholesterol, blood sugar and blood pressure

These requirements are strict at the moment, but hopefully this is a first step for HSBC (and other providers) with more inclusive cover becoming available in the future.

Critical illness insurance is an extremely useful policy, paying out a cash lump sum in the event of being diagnosed with a serious illness. These policies can act as lifelines providing much needed financial support with expenses like:

  • Private hospital fees or second medical opinions
  • Travel expenses when travelling to hospitals/specialists
  • Medication costs
  • Cost of making necessary adjustments to your home
  • Mortgage or rent payments
  • General cost of living e.g. utility bills

Speak to a critical illness cover expert

Getting critical illness insurance has never been easier than it is today…
Speak to our friendly experts to compare the best critical illness cover quotes.

Useful guides

If you have diabetes and have questions about insurance would work for you, you can read more of our helpful insurance guides.

Diabetes Week 2022

Diabetes Week 2022

Hosted by diabetes.org.uk, Diabetes Week 2022 runs from 13th – 19th June.

This year, the main aim is to celebrate all of the people living with Diabetes, having to monitor and manage their blood sugar levels by scrutinising food labels and controlling their intake. Every. Single. Day.

After all, 1 in 14 people in the UK currently have Diabetes (that’s around 4.9 MILLION people, by the way). A further 13.6 million people are at increased risk of Type 2 Diabetes – and perhaps even more shocking is that a staggering 850,000 people are estimated to have Type 2 Diabetes and haven’t even been diagnosed.

We could hit you with even more statistics, but that should be enough to make it clear why raising awareness of Diabetes and its risks is hugely important.

At iam|INSURED we get a first-hand view of how prevalent this condition is and how it affects people’s lives in ways you may not have considered.

Many people with Diabetes find themselves either confused or struggling when it comes to getting life insurance. Perhaps they’re buying their first house and need life insurance to cover the mortgage. Maybe they’ve started a new family and want to protect their loved ones in case the worst happens.

Whatever the case, life insurance is a very valuable and important product, and we believe in our mission to make life insurance more accessible for everyone. We’ve got a long history of supporting the best UK charities and helping people with all types of medical conditions to find life insurance.

There are many ways to get involved this year – even just using the hashtag #DiabetesWeek to help spread the word.

If you fancy a slightly more active participation, there’s always the Big Diabetes Week Dog Walk happening for the first time ever, and it’s open to anyone! Walk to raise awareness, raise money, or just for fun.

If you’re not a dog person or don’t fancy walking, there are yet more ways to get involved on the diabetes.org.uk page for Diabetes Awareness Week – these range from signing their petition to ordering materials to celebrate the week yourself.

Here are some resources you may find useful:

Lastly, here’s a useful graphic for recognising the symptoms of Diabetes:

Symptoms of Diabetes
Image credit: diabetes.org.uk

Can someone with diabetes get medical insurance?

Medical insurance for people with diabetes

People with chronic medical conditions like diabetes often don’t consider health insurance or medical insurance. The fact is that there are options for people with diabetes to get affordable medical insurance.

You could get comprehensive medical insurance that covers a wide range of treatments and specialist care. One of the most common reasons for medical insurance is Cancer Cover which would be included for people with diabetes.
People with chronic medical conditions like diabetes, often don’t consider health insurance or medical insurance.
Most brokers don’t offer medical insurance for people with diabetes because your existing condition won’t be covered. They don’t consider the things that are still covered and great value for money!

Health insurance and diabetes

Here are some of the main questions that we get asked by our customers with diabetes when we look at medical insurance for them.

More information about HEALTH INSURANCE

What isn’t covered by medical insurance for diabetics?

All medical insurance policies will exclude a pre-existing medical condition, but this isn’t always an issue. Medical insurance is designed to complement any treatment that you are already receiving or have already received.

Diabetes care, for example, will be treated and monitored by your GP or via the NHS which is usually very comprehensive. You’ll continue to receive this care from the NHS to help to manage your diabetes so this will not be covered.

If you have further medical or health problems connected to your diabetes, then these would also be treated under your NHS care.

What is covered by medical insurance for people with diabetes?

Medical insurance can cover a vast range of medical conditions and treatments, so you can build your plan to suit you. You’ve got a number of options with most types of private medical insurance, these include:

  • Core Cover
  • Cancer Cover
  • In-patient Care
  • Out-patient Care
  • Dental Cover
  • Global Travel Cover

If you’re a diabetic and you’ve been thinking about getting medical insurance, then these are all the things you can consider. You can tailor your cover to suit your needs and what’s most important to you.

How can I apply for medical insurance with diabetes?

There’s a couple of ways to go about getting health insurance for someone with diabetes and you can choose which is best for you:

Full Medical Underwriting

You could choose to go down the route of getting your application fully underwritten by an underwriter. In this situation, your application would ask for information about your diabetes and anything else pre-existing.

The main point of this option is to make sure that your existing and previous medical conditions are taken into consideration. This means that those conditions and related conditions would be excluded from the life of the plan.

The main benefit of this is that your premiums would be adjusted to take account of the things that won’t be covered.

This is a very sensible option for people with diabetes because it is a chronic condition, so would never be covered anyway. In this situation, you’d know upfront what is and isn’t covered so good for your own peace of mind.

Moratorium Underwriting

The other option for applying for medical insurance with diabetes is moratorium underwriting. This is the quickest and easiest way of applying for health insurance because you won’t have any medical questions to answer.

If you choose to go down this route then you won’t need to supply any medical information at all. You’ll just be asked to select which type of cover you want and what you want to be included in your plan.

When your policy is live, your medical history will only be taken into account at the point of a claim. Anything that you have experienced for a period of time before the plan was activated will be excluded.

How much does medical insurance cost for diabetics?

You’ve got loads of options for taking out a suitable and affordable plan when you apply for medical insurance. In the case of someone with diabetes, as detailed above you could go through medical underwriting which could help to reduce cost.

How you build your plan and what cover you need is entirely up to you. There are lots of options available which can reduce the cost of your cover, such as:

  • Excess
  • No claims discounts
  • Switch and Save
  • Cover options

How can I get cheaper medical insurance for diabetes?

By choosing the right cover and the right insurance company, you can keep the costs down. There’s a lot of different options, types of cover, and insurance providers which can be confusing.

You’ll be able to speak to one of our experts who can get quotes from some of the UK’s biggest health insurance providers.

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