How insurers assess diabetes
Insurers assess diabetes on the type, how well it's controlled (often via HbA1c levels), how long since diagnosis, and any complications. Well-managed diabetes is widely accepted, sometimes at standard or near-standard rates. The best policy comes from an insurer that views your specific situation favourably.
1. Cover for well-controlled Type 2 diabetes
Well-managed Type 2, especially controlled by diet or medication with good HbA1c, is often accepted at competitive rates. Best for those keeping their diabetes well controlled — many access close to standard premiums.
2. Cover for Type 1 diabetes
Type 1 is insurable, with premiums reflecting control and any complications. Best assessed by insurers experienced with Type 1 — pricing varies, so comparing matters.
3. Specialist insurers for diabetes
Some insurers specialise in medical conditions and view diabetes more favourably. Best for those with complications or higher HbA1c who may be loaded or declined elsewhere.
4. Demonstrating good control
Recent, good HbA1c readings and evidence of management help secure better terms. Best to have up-to-date medical information ready — good control can meaningfully reduce your premium.
Getting the best cover
- Provide recent HbA1c and management details
- Compare insurers — pricing for diabetes varies widely
- Disclose fully and accurately to protect your claim
- Use a specialist for complications or higher readings
How to find the best cover for diabetics
Because insurers price diabetes so differently, whole-of-market advice can be the difference between a loading and a fair premium. Find a life insurance specialist through Nesto — free, no obligation.
Frequently asked questions
Can diabetics get life insurance?
Yes — diabetes is routinely covered. Well-managed diabetes is often accepted at standard or near-standard rates.
Does Type 1 or Type 2 matter?
Both are insurable. Insurers assess the type, control (HbA1c), time since diagnosis and any complications — pricing varies by insurer.
Will I pay more?
Possibly a loading, but well-controlled diabetes can attract close to standard rates. Good HbA1c readings help.
What helps me get a better rate?
Good, recent HbA1c control, no complications, and choosing an insurer that views diabetes favourably.
Should I use a specialist?
For complications or higher readings, yes — specialist insurers and brokers can find cover where mainstream insurers load or decline.