Can Diabetics Get Critical Illness Cover?
Yes, though terms depend heavily on your type of diabetes, HbA1c levels, and any complications:
| Diabetes Type | Typical CIC Terms |
|---|---|
| Type 2 (well-controlled, no complications) | Available with moderate premium loading (50–150%) |
| Type 2 (poorly controlled or complications) | Higher loading or possible decline |
| Type 1 (well-controlled, no complications) | Available with significant loading (100–200%+) |
| Type 1 (complications present) | Difficult – may be declined by most insurers |
HbA1c matters most: Your HbA1c level (a measure of blood sugar control over the past 2–3 months) is the single most important factor in how insurers assess your diabetes. Lower HbA1c = better terms. Aim for below 58 mmol/mol (7.5%) for the best insurance outcomes.
Why Diabetics Should Consider CIC
People with diabetes have a higher risk of several conditions covered by CIC, including:
- Heart attack – Diabetics are 2–3 times more likely to have a heart attack
- Stroke – Risk is approximately doubled for diabetics
- Kidney failure – Diabetes is the most common cause of end-stage kidney disease
- Blindness – Diabetic retinopathy is a leading cause of blindness in working-age adults
This higher risk means CIC is arguably more important for diabetics, not less. The lump sum payout can fund treatment, home adaptations, or replace income during recovery.
Tips for Getting the Best Cover
- Get your HbA1c as low as possible before applying
- Use a specialist broker – terms vary enormously between insurers for diabetes
- Gather your medical records – recent HbA1c results, medication list, and any complication history
- Apply to multiple insurers – do not accept the first quote
- Consider a lower cover amount if premiums are high – some cover is better than none
Frequently Asked Questions
Yes. Both types can get cover. Well-controlled Type 2 gets best terms. Use a specialist broker.
Type 2 (controlled): 50–100% loading. Type 1: 100–200%+. Depends on HbA1c and complications.