Does life insurance cover gestational diabetes?

You can generally be covered for gestational diabetes if you suffer from it during your pregnancy and already have a policy in place. However, it’s important to address this with a provider to make sure you can be covered if you’re already pregnant and have been diagnosed with the condition when buying your policy.

Can life insurance cover my child if they have diabetes?

If your child has an existing medical condition such as diabetes, you may be able to access coverage through child life insurance cover if they satisfy your insurer’s qualification requirements.

What types of life insurance policies cover diabetes?

Provided you qualify for coverage with your insurer, you may be able to get coverage for type 1 or type 2 diabetes with life, total and permanent disability (TPD), trauma and income protection cover policies. However, as mentioned, this may be subject to you undergoing a medical examination.

Can I get cover for more than one pre-existing condition?

Having a pre-existing condition doesn’t necessarily rule you out when it comes to taking out life insurance. For example, if you have diabetes but also suffer from asthma, you may still access cover if you meet your insurer’s terms and conditions. However, as mentioned, pre-existing conditions can lead to more costly premiums, exclusions or a denial of coverage.

Can I get diabetes cover with superannuation life insurance?

In some cases, you may be able to get diabetes cover as part of your superannuation life insurance. However, this will vary largely depending on who you go with and the state of your health, so it’s important to compare a range of options (which you can do through Savvy’s panel of insurance partners) before committing to cover through your super.

How do I make a claim on my life insurance?

Before a claim is filed, you or the person making the claim on your behalf should familiarise themselves with the specifics of the policy. The insurer will ask whoever is making the claim to submit a form and some documentation (such as a death or medical certificate) to back up the claim. Claims are usually resolved within a few weeks after all your paperwork is filed. You should check each provider's claims procedure when comparing through Savvy since it may vary somewhat according to the type of life insurance you purchase.