Specialized Diabetes Insurance Help
Get expert guidance from our diabetes insurance specialists who understand your condition
Available 9 AM - 8 PM, 7 days a week
Good News: Diabetes Doesn't Mean No Insurance
✅ Yes, You Can Get Insured!
Most insurance companies now offer term insurance to people with diabetes. While premiums may be slightly higher, getting adequate life coverage is definitely possible with proper documentation and controlled sugar levels.
Key factors that work in your favor:
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Controlled HbA1c: Below 7% gets best rates
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Regular Reports: Consistent test records help
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Doctor's Certificate: Shows proper management
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Special Plans: Diabetes-friendly insurers
Factors That Affect Your Insurance Application
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Type of Diabetes: Type 1 or Type 2 (Type 2 generally easier)
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Duration: How long you've had diabetes (shorter duration better)
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HbA1c Levels: Your blood sugar control (ideal: below 7%)
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Medication: Diet control, oral medicines, or insulin
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Complications: Any diabetes-related health issues
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Overall Health: Weight, BP, cholesterol levels
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Family History: Diabetes in immediate family
Expected Premium Impact Based on Control Level
| Diabetes Control Level | HbA1c Range | Premium Impact | Policy Availability | Recommendation |
|---|---|---|---|---|
| Well Controlled | Below 7% | 10-25% extra | Most companies | Apply now for best rates |
| Moderately Controlled | 7% - 8.5% | 25-50% extra | Limited companies | Improve control first |
| Poorly Controlled | Above 8.5% | 50-100% extra or decline | Very limited options | Consult doctor urgently |
Pro Tip: Get your HbA1c below 7% for at least 3 months before applying to get the best premium rates!
Step-by-Step Application Process
Honest Disclosure
Always declare your diabetes condition - hiding can lead to claim rejection. Transparency builds trust with insurers.
Medical Reports
Gather recent HbA1c, sugar fasting/PP reports from last 6-12 months. Consistent records show stable management.
Doctor's Certificate
Get a fitness certificate from your diabetologist confirming your condition is well-managed.
Additional Tests
Be prepared for extra medical tests by insurer (ECG, kidney function, eye checkup).
Company Assessment
Insurance company evaluates your risk profile and diabetes management.
Policy Offer
You receive customized policy terms and premium based on your health profile.
Diabetes-Friendly Insurance Companies
HDFC Life
Proactive Solutions for diabetics
High AcceptanceICICI Prudential
Diabetes Protection Plan
Special PlanMax Life
Smart Health Plan
Good RatesBajaj Allianz
Diabetic Care Plan
Comprehensive