HEART ATTACK AND DIABETES INSURANCE

A diabetic-caused heart attack can be terrifying, especially when you do not have a life insurance cover. Since the heart attack, in this case, is likely caused by an existing condition, getting life insurance can pose a few challenges, but do not give up yet. 

WHY SHOULD A DIABETIC GET LIFE INSURANCE AFTER A HEART ATTACK?

Working out a cover after your first heart attack caused by diabetes is the most responsible action to take for you and your loved ones. This is why:

  • To ensure financial safety and protection for your loved ones in case something happens
  • The premiums might be higher if you wait too long and experience multiple heart attacks.

IMPORTANT QUESTIONS ASKED AT TIME OF APPLYING FOR INSURANCE

Due to the high risk posed by this condition, your specialist insurance providers will require some information to provide you with the best coverage plan possible. These are some of the questions you might answer:

  • When were you diagnosed with diabetes and what type?
  • When did the heart attack occur, and is it your first?
  • What is your current HbA1c reading?
  • Do you have any other existing complications like nephropathy?
  • What medication are you taking?

POSSIBLE PREMIUM RATES

Some insurance providers may decline your life insurance application due to high risk, but this does not mean that you cannot get the cover elsewhere. However, the premiums will be higher based on your medical history.

Nevertheless, ensure that you are completely honest with your provider so that they can tailor your cover to your maximum benefit. For example, some may throw in additional benefits in terms of reduced premiums if you are controlling your condition as a diabetic. In such cases, the provider will ask to see your medical results from the doctor.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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