Rapidly increasing numbers of people in the UK are being diagnosed with diabetes. Around 3.9 million people in the UK are living with the condition, a number which is forecast by the NHS to rise to five million by 2025.

There are two main types of diabetes.

  1. Type 1 diabetes (also known as insulin-dependent diabetes) is when the pancreas fails to produce any insulin and as a result the blood becomes too high in glucose. Whilst by far the least prevalent of the two, type 1 is the most common form of childhood diabetes. It is typically treated through insulin injections.
  2. Type 2 accounts for around 90% of diabetes diagnoses. Here not enough insulin is produced or if it is the body’s cells do not properly react to it.

Health insurance and preventing diabetes

You can reduce the risk of contracting type 2 diabetes by maintaining a healthy lifestyle, eating a balanced diet, taking regular exercise and keeping an eye on your weight. A wellbeing programme as featured in many private health and company medical insurance policies can assist with this by providing dietary and lifestyle advice as well as discounted access to gyms and fitness centres.

Is diabetes covered by Private medical insurance?

How you are assessed by an insurer will will depend upon whether you have already had a diagnosis and the type of underwriting employed. If you have not been diagnosed when you take out your policy then you will be covered (subject to the particular limits and treatments available of your policy) should you later develop diabetes. If you have had a diabetes diagnosis then most private health insurance policies will either exempt or restrict cover. As policies and the levels, limits and restrictions of cover vary, you should seek expert advice before you take out a private medical insurance policy.

Which treatments for diabetes might private health insurance cover?

The treatments available will depend upon the policy you have taken out. As diabetes is a chronic condition some insurers may offer medical care in the short term to help you recover from a “flare up.” Longer term treatments such as insulin injections and glucose and insulin regulator medications would not normally be covered. Insurers may also provide information and support programmes to help people with diabetes manage their condition.

We can help you find a Health Insurance Policy suitable for diabetes

At Chase Templeton we’re experts in understanding and explaining to you the ins and outs of private health insurance policies. Whatever your situation, we can help you find a policy that’s right for you – Contact Us today.