Can I get life insurance with diabetes and high blood pressure?
Asked by: Dr. Darrel Zieme MD | Last update: February 4, 2023Score: 4.8/5 (8 votes)
When people with diabetes apply for life insurance, the rest of their health makes a big difference. If you have high blood pressure or are overweight, your rates could skyrocket or even make you ineligible for coverage.
Is it hard for diabetics to get life insurance?
Since diabetes is often accompanied by other health issues—such as obesity—and is a risk factor for other medical conditions, it can be difficult to find a life insurance policy with good rates as a diabetic. Diabetes increases your likelihood of a number of conditions and operations, including: Stroke.
Can I get life insurance if I have Type 2 diabetes?
You can typically qualify for standard life insurance with Type 2 diabetes, but it can be more difficult if you have Type 1. Some carriers won't provide life insurance to people with Type 1 diabetes because it's considered harder to control and therefore a higher risk.
Can you be denied life insurance for high blood pressure?
High blood pressure can lead to a greater risk of health complications, such as cardiovascular diseases, heart attacks and strokes. In cases of high blood pressure combined with other related illnesses — like heart disease — some life insurers may deny coverage altogether.
What will disqualify you from life insurance?
Their reasons could be anything from a serious medical condition (like heart disease) or poor results from your life insurance medical exam to nonmedical reasons like bankruptcy, a criminal record, a positive drug test or even a dangerous hobby.
I am Diabetic, Can I Get Life Insurance ?
Is high blood pressure considered a heart condition?
High blood pressure is not heart disease on its own. However, having high blood pressure can lead to cardiovascular complications and can weaken or damage your heart. Hypertension is one cause of cardiovascular disease—a term that encompasses the heart and blood vessels.
Do I need to tell insurance about type 2 diabetes?
Most travel insurance policies exclude pre-existing medical conditions (medical conditions you had before the policy was taken out) such as diabetes. It is essential when arranging the policy that you fully disclose your medical conditions to the insurance company including diabetes, even if they do not ask.
Can you get life insurance with pre-existing conditions?
Pre-existing conditions can make it more difficult and expensive to get life insurance, but even if you have a chronic or terminal health problem, you can likely find a policy you qualify for if you shop around.
What is considered high risk for life insurance?
However, typically, life insurance companies may consider you to be a high-risk applicant if you have a dangerous occupation, engage in risky hobbies like skydiving, smoke, have below-average health and/or have underlying health conditions.
How do life insurance companies check medical background?
You might be automatically given your medical test results, or you may have to request a copy. The medical professional will typically start by asking about your personal and family's health history. They'll then conduct a physical exam, which may include: Recording your height and weight.
Can a sick person get life insurance?
Key takeaways. Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.
Can you get life insurance with heart disease?
The short answer is yes, it is possible to get life insurance after a heart attack. There are two common types of life insurance, each suited for different stages of life or levels of risk tolerance. Term life insurance is purchased to provide coverage for a specific period of time.
Do life insurance companies check prescriptions?
If you're taking medication for high blood pressure, diabetes, depression or anything else, life insurance companies will find out. They use third-party companies such as Milliman Intelliscript to check your prescription drug history.
What pre-existing conditions are not covered?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
Which insurance is best for pre-existing medical conditions?
- Apollo Munich Energy Health Insurance Plan.
- Aditya Birla Activ Health Enhanced Plan.
- HDFC ERGO Energy Gold Health Insurance Plan.
- Star Health Diabetes Safe Health Insurance Plan.
What benefits can diabetics claim?
Type 2 diabetes can cause severe complications that may make a person eligible for disability benefits. There are two types of benefits: SSDI, which requires a qualifying length of time in work, and SSI, which can support people with disabilities at any age and time in their work career.
Does diabetes affect your insurance?
Diabetes in itself cannot have a bearing on your car insurance policy, however, if your treatment, such as insulin, requires you to have a restricted licence, then it can affect your premium.
Can you live a long life with high blood pressure?
If left untreated, a blood pressure of 180/120 or higher results in an 80% chance of death within one year, with an average survival rate of ten months. Prolonged, untreated high blood pressure can also lead to heart attack, stroke, blindness, and kidney disease.
How long does high blood pressure take to cause damage?
In other words, once blood pressure rises above normal, subtle but harmful brain changes can occur rather quickly—perhaps within a year or two. And those changes may be hard to reverse, even if blood pressure is nudged back into the normal range with treatment.
What will a cardiologist do for high blood pressure?
A cardiologist is a healthcare provider who can treat chest pain, high blood pressure and heart failure, as well as problems with your heart valves, blood vessels and other heart and vascular issues. They can order tests like electrocardiograms, echocardiograms and CTs (computed tomography) to find out what's wrong.
How can I lower my blood pressure for a life insurance test?
So, how can I lower my blood pressure for my insurance test? Drink a few extra glasses of water for a few days before your exam. Try to avoid eating or drinking anything except water for 12 hours before you are examined. Try to avoid drinking alcohol, coffee, and smoking cigarettes before taking your brief exam.
How far back does life insurance go?
The prescription histories sold to life insurance companies probably don't date back more than about 10 years because it's been only in the past decade or so that such information has been captured electronically.
What drugs do life insurance companies test for?
A life insurance urine test detects drugs like amphetamines/methamphetamines, cocaine, opiates, phencyclidine (PCP), barbiturates, benzodiazepines, and methadone.
What is considered heart disease?
Heart disease describes a range of conditions that affect your heart. Heart diseases include: Blood vessel disease, such as coronary artery disease. Heart rhythm problems (arrhythmias) Heart defects you're born with (congenital heart defects)