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.
Unfortunately for diabetics and others with chronic conditions, in most states, insurance companies can screen applicants and turn down those with pre-existing conditions. This happens frequently with diabetics. An alternative way to get medical insurance for diabetics is to get on a group insurance plan through work if one is available. These group plans must accept people with pre-existing conditions. If there is no group plan available at work, all is not lost, however. Some professions can buy into group plans. If you work in real estate, information technology or construction, you have an opportunity to buy into a group plan through those industries.
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.
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.
Medical insurance for diabetics is difficult to get, and may be difficult to maintain. But don't give up hope. You may get some relief on costs by using a free or low-cost clinic in the meantime. A lot of doctors who work at clinics like this are very caring, and are doing it because they truly want to help people.
By Ray Lam