Private health insurance diabetes cover

Miklos92 said:

Hello,

I have history of type 2 diabetes in my family, and I believe I have far above average chances to get diabetes myself. I am doing all the checks and everything is fine, but let's be realistic, possibility is always there.

Because of my genetic predispositions, I started thinking about getting private health insurance which would also cover diabetes, but I wasn't able to find any. Basically, all of them say that chronic diseases are not covered.

This being said, does anyone know is there any benefit to being privately insured before getting diabetes? For example, would it be possible to request cover for CGMs or pumps if you had private cover before getting diabetes?

Thank you!

Miklos

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To be honest, much depends where you are (UK or overseas), how you intend to achieve this cover (individually or through an employer scheme), and to a large extent how deep the premium payers pockets are.

There are a great many scheme options out there. Almost none I know of provide cover for chronic conditions, although some employer based schemes (as they are costed differently) have a bit more leeway.

To be honest, if you are a true risk, it might make more sense to rad up on what, if any, preventative measures you might have at your disposal, and put those into play, rather than pay for something that might happen, then find your cover is scant, if it exists a thread all for your condition.

(I used to work for a large insurer, with a medical insurance subsidiary, in actuarial pricing, so I have a bit of a handle on how these things hang together.)

Utop1st said:

I understand you very well because I feel the same. I already began to look for companies that provide health insurance that can cover diabetes.

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Where are you based Utop1st? In UK, medical insurances do not cover chronic conditions. Aspects could be covered, say, around a diagnosis, but bearing in mind in UK people living with diabetes are charges for their medications, there is a limited need for private cover.

Type 2s, managing their condition with diet only are not exempt from prescription charges.