What is HbA1c?

HbA1c is the average blood glucose (sugar) levels of the last two or three months. If a person has diabetes the ideal HbA1C is 6.5% or below. If you are at risk of developing type 2 diabetes, your target HbA1c level should be below 6%.

What does HbA1c mean?

A high level of HbA1c above 6.5% means that you have too much blood sugar in your blood which is an indication of getting chronic diabetes. There is so far no cure for diabetes but one can keep it under control with regular exercise and healthy food habits. HbA1c is what’s known as glycated haemoglobin. This is something that’s made when the glucose (sugar) in your body sticks to your red blood cells. Your body can’t use the sugar properly, so more of it sticks to your blood cells and builds up in your blood. Red blood cells are active for around 2-3 months, which is why the reading is taken quarterly.

Once detected with high HbA1c one has to get it checked regularly and take medications for the same.

Is to difficult to get insurance policy with high HbA1c?

Yes, it is difficult to get an insurance policy with high HbA1c as it indicates diabetes which has no cure so far. Moreover, diabetes is believed to lead to more complicated diseases of kidney, eyes, heart among others and is known as a slow killer. Even if you manage to get an insurance policy premium is likely to be higher. But one good thing about the disease is it can be kept under control with a healthy lifestyle and reducing stress. Stress is the main cause of most diseases including diabetes.

We would recommend you to talk to one of our advisers for life insurance quotes.
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