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T2 Diabetes in Remission
- Thread starter muttley04
- Start Date
- Messages
- 11,396
- Type of diabetes
- Type 2
- Treatment type
- Tablets (oral)
I would read the wording very carefully on any application form. They often say something like:
“Have you ever been diagnosed with……” then give a list of conditions. Insurance companies can and do refuse pay out if the questions are not answered correctly and honestly.
Well done at attaining remission. How did you do that?
Hi @muttley04 and welcome to the forum.
Personally I consider my type 2 as very well controlled even though I have had non diabetic HbA1cs for over four years. The definition of ‘remission’ is defined in many different ways. I only use it on my avatar here as it is the best description choice available. I think that once diagnosed I will always have a tendancy to become ‘really diabetic’ again if I don’t carry on eating as I am. I also wouldn’t want to be signed off the diabetic register as I will lose the annual check ups that go with a diagnosis.
As for insurance I would be honest, as any claim could be invalid if they considered you should have declared a previous diabetic diagnosis.
Personally I consider my type 2 as very well controlled even though I have had non diabetic HbA1cs for over four years. The definition of ‘remission’ is defined in many different ways. I only use it on my avatar here as it is the best description choice available. I think that once diagnosed I will always have a tendancy to become ‘really diabetic’ again if I don’t carry on eating as I am. I also wouldn’t want to be signed off the diabetic register as I will lose the annual check ups that go with a diagnosis.
As for insurance I would be honest, as any claim could be invalid if they considered you should have declared a previous diabetic diagnosis.
- Messages
- 4,125
- Type of diabetes
- Treatment type
- Diet only
It would be nice - however I have found that a lot of organisations simply don't accept "remission" as being a thing. I talked to one company that claimed to specialise in dealing with "diabetics" and they had apparently never heard of remission.
If you don't mention it you put yourself at risk of being told some time in the future that you witheld relevant information and therefore (eg) your insurance is invalid. I wish it was otherwise.
Mbaker
Well-Known Member
- Messages
- 4,339
- Location
- Essex
- Type of diabetes
- Treatment type
- Diet only
- Dislikes
- Available fast foods in Supermarkets
On my NHS record I suspect it is the same as yours:
My diabetes numbers had been similar 2 years before the official remission stamp. The last official code for remission looks like (C10P) - many NHS Trusts (e.g. https://www.berkshirewestccg.nhs.uk/media/1507/diabetes-201cin-remission201d-coding.pdf), Xpert Health, The Direct Trial make reference to this.
Seems clear to me.
My diabetes numbers had been similar 2 years before the official remission stamp. The last official code for remission looks like (C10P) - many NHS Trusts (e.g. https://www.berkshirewestccg.nhs.uk/media/1507/diabetes-201cin-remission201d-coding.pdf), Xpert Health, The Direct Trial make reference to this.
Seems clear to me.
Mr_Pot
Well-Known Member
Regarding travel insurance I have found that declaring that I was type 2 with no medication did not increase the premium. After all what increased risk is there on a couple of weeks holiday above a non diabetic, other factors being equal.
I’d totally agree with your last sentence, but would be interested to know which company this was as my premiums shot up and that was after shopping around. Pretty ironic that the new, healthier me is paying more for being in a ‘high risk’ category.
- Messages
- 10,234
- Location
- New Zealand
- Type of diabetes
- Type 1
- Treatment type
- Pump
- Dislikes
- hypos and forum bugs
My(very old) dad used goodtogoinsurance, though they specialise in elderly folk with lots of medical conditions.. I noticed his most recent (pre covid)premium went down (impressive when you are 89).Maybe it was because he'd come off T2 meds?
Mr_Pot
Well-Known Member
I will look it up later when I am near my PC, meanwhile I would recommend the travel advice on moneysavingexpert.com
Mr_Pot
Well-Known Member
I have used Insure For Travel and No Limits in the past, neither charged me extra for Type 2. I got a quick quote just now from Travel Time and it didn't cost extra for my diabetes. I am fortunate that I can answer NO to Insulin, hospitalisation, blood pressure and cholesterol, so that might make a difference.
I use MedicalTravelCompared.co.uk which is a comparison site for travel insurance with existing conditions. My wife has a lot of medical history so I need to shop around.
What was the cholesterol question out of interest?
Mr_Pot
Well-Known Member
"Have you been advised to take medication for cholesterol?"
I made a liberal interpretation of that as my doctor agreed that I didn't need to.
Thanks.
