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Insurance, especially Health Insurance for Diabetics is very important

Once you are diagnosed with diabetes you may find it hard to take out insurance policies which may be affected by your condition.  There are agencies that specialize in insurance for diabetics, including medical or health insurance for diabetics, special travel insurance for diabetics and dedicated life insurance for diabetics.  

Health insurance for diabetics

The potential costs incurred by a diabetic are enormous.  They include the cost of actual diabetes control such as insulin, test kits and injection kits, treatment of diabetes related complications such as neuropath, equipment for diabetics such as special diabetic shoes and socks, and personal care items such as specialized skin lotions.

In some countries, these costs are covered by a national health plan, but in countries like America it is necessary to have specific medical insurance for diabetics.  The American Diabetes Association estimates that diabetics spend an average of $13,243 each year on health care, so it is essential that they have health insurance for diabetics to cover these costs.  

Travel insurance and diabetes

Travel insurance can be a major headache for diabetics.  Often insurance that is included in package holidays will exclude treatments or costs arising from diabetes, or diabetes related complications. 

You should look for special travel insurance for diabetics that has no exceptions and covers in treatment whilst travelling, emergency transport home, and replacement supplies of insulin and diabetic equipment.   

Life insurance for diabetics

Getting a life insurance policy can seem impossible and unaffordable once you are diagnosed with diabetes.  This is because the rate you pay will be affected by your health status, and a condition like diabetes will push this through the roof. Many insurance companies will actually refuse to insure a diabetic. 

As with travel and medical insurance, however, there are companies that provide specific life insurance for diabetics, so you should not be put off searching for a life insurance policy. The following tips will help you to search for the best policy for your condition.  

Tips on finding insurance for diabetics

  • Often your premium will be affected by how well you control your diabetes, particularly regarding life insurance for diabetics. If you can demonstrate you have your diabetes under control, your payments will decrease.  
  • Use a company or agent that specialises in insurance for diabetics.  If you do not, you need to have your policy checked carefully by a specialist to ensure costs relating to your condition, or factors relating to it, are not excluded from the policy.
  • Shop around.  You can use the internet to find a wide range of insurance companies, but be aware that you will not always get the best quote for your specific condition online. You will get a more accurate quote if you contact the company in person.
  • If you know other diabetics ask them to recommend companies that offer insurance for diabetics.
  • Keep trying, even if you initially get rejected. There are great insurance policies for diabetics but you need to look for them.

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