Does CIC pay out for a diabetes diagnosis?
No — a diagnosis of Type 1 or Type 2 diabetes itself does not trigger a critical illness payout. Diabetes is not typically included in the list of specified conditions covered by standard CIC policies.
What about diabetes complications?
While diabetes itself is not covered, serious complications of diabetes may trigger a claim. For example:
- Stroke — covered by most CIC policies; diabetes increases stroke risk
- Heart attack — covered; people with diabetes have a higher cardiac risk
- Kidney failure requiring dialysis or transplant — covered by most policies
- Loss of a limb — covered under "loss of limb" definitions in some policies
- Blindness — covered under "loss of sight" definitions
Can I get CIC if I have diabetes?
Yes — many people with Type 1 or Type 2 diabetes can get critical illness cover, though terms vary by insurer. Well-controlled diabetes often results in near-standard terms or a small loading. Poorly controlled diabetes or associated complications may result in higher premiums or exclusions. See: Critical illness cover for diabetics.
Is income protection a better fit?
For people with diabetes who are concerned about being unable to work due to their condition or its complications, income protection may be more directly useful — it pays monthly if you can't work, for any health reason (subject to any pre-existing condition exclusions).
Frequently Asked Questions
No — Type 2 diabetes is not a specified condition under standard UK critical illness policies. However, complications of diabetes (stroke, heart attack, kidney failure) are covered.
Yes — always. Failure to disclose diabetes is non-disclosure and can void your policy. Your insurer will ask about it on the application form.