Diabetes is a chronic health condition caused by the failure of the body to produce insulin at all or in sufficient quantity, or the body does not react as it should to the hormone
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.
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.
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.
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.
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.