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Diabetes and Health Insurance Underwriting

Because health insurance is meant to cover unexpected future illnesses, diabetes that has already been diagnosed presents a problem. It is considered a preexisting condition so finding coverage may be difficult. Many insurance companies have a specific waiting period during which they do not cover diabetes-related expenses for new enrollees, although they will cover other medical expenses that arise during this time.

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Diabetes and Life Insurance Underwriting


When the pancreas secretes insufficient quantities of insulin, a chronic disease called diabetes may ensue. As such, the body's ability to absorb carbohydrates and breakdown fats is reduced. Sugars then build up in the blood and urine. When diabetes is present, secondary issues such as smoking or overweight may influence the insurance underwriting decision, the process that establishes the cost of insurance. Age of onset is of particular concern as is the impact on other vital organs, type of medication, family history and especially control are further factors in the underwriting decision.

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