The affect of Diabetes on your cover

Due to our fast paced lives, more and more people are being affected by diabetes each year. If gone untreated the effects could cause wider health problems. What is Diabetes? Type 1 diabetes occurs in the body when the pancreas doesn’t make enough insulin and Type 2 Diabetes occurs when the body struggles to respond normally to the insulin produced. Some of the symptoms of Diabetes are: • Increased urination • Extreme thirst • Unexplained weight loss What happens when I apply for Risk cover? • You must mention your current conditions, including diabetes. • You will be required to complete a diabetes questionnaire • An Hba1c test will be done to indicate your average sugar levels. A level of 6.8 is considered to be healthy. • A rest and effort ECG • Urine micro-albumin to indicate any signs of early kidney damage. What cover can be expected? Based on each individual underwriting decision, you can expect the following: o If medical reports show that your diabetes are under optimal control, loadings can be applied on disability and critical illness. o If a state of optimal control cannot be proven, the following can be applied:  Income benefits for accidental causes  Impairment cover with diabetes exclusions  Exclusions being placed on critical illness for those impairments that are related to diabetes such as cardiac disease  Life cover loadings. Source: FA News 2012  ...