No cure yet but it can be effectively managed.

Thursday, March 29, 2007

Insurance for Diabetics

Do you suffer from diabetes? Have you been turned down by insurance companies or find it difficult to get insurance including life insurance for diabetics, health insurance for diabetics and travel insurance for diabetics?

As you have already discovered getting life insurance for diabetics can be difficult, but may not be impossible. However some insurance companies do offer insurance for diabetics and some insurance companies even offer a service to get the best quote for life insurance for diabetics.

Finding health insurance for diabetics that will cover the basic medical care needed by diabetics is critical. Many complications of diabetes require specialized medical care, and even regular health issues often require specialized care if the patient is diabetic.

In many countries, diabetics are lucky to have their regular health care covered by a national health plan. In the U.S. however, finding health insurance for diabetics after it has been diagnosed may be difficult, because of many common limitations on coverage of "pre-existing conditions" placed by most insurance companies. However those with diabetes should research their options especially if they are having any financial difficulty with proper management of your diabetes, because the potential costs of improper or inadequate care are much higher than most insurance premiums ever could be.

Travel insurance for diabetics is not as difficult as it once was because more and more people are being diagnosed with diabetes and most companies now cover people who manage diabetes correctly with a small excess.

Therefore insurance for diabetics especially for those managing diabetes is in most cases available but I suggest that if you have a family history of diabetes then it may be a cheaper option to take out insurance before you are actually diagnosed. If you have already been diagnosed then most insurance companies now will cover you but at a premium.

So do your research according to your individual needs of diabetes control and your first step might be to contact your diabetes association for information.

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