Life insurance with Gestational Diabetes

Life Insurance

You should be aware that having Gestational Diabetes will mean that your premiums could be affected. 

Some insurance providers may have restrictions on offering life insurance to pregnant individuals, which can lead to challenges with obtaining coverage for Gestational Diabetes. It is advisable to inquire about coverage options before putting off your application until after pregnancy, to ensure you have at least some form of cover.

Factors to consider for Gestational Diabetes life insurance include:

1. What age you were diagnosed / current age
2. Your current or pre-pregnancy weight
3. Have you continued with Diabetes after pregnancy (if applicable)
4. Provide your current Hba1c (blood sugar) readings
5. Do you have any other medical or health conditions

The outcome for Gestational Diabetes life insurance can vary from a slight premium increase for mild cases to potential decline for more serious issues, depending on the insurance company and severity of the condition. In some instances, Gestational Diabetes may be mild enough for life insurance premiums to be approved without a medical report and may be accepted with a slight increase.

If Gestational Diabetes progresses to Type 2 Diabetes, life insurance premiums will be assessed similarly to those with regular Type 2 Diabetes. If Gestational Diabetes resolves after childbirth, life insurance premiums will typically be available at standard rates from insurers.

Critical Illness

Like other forms of Diabetes, Gestational Diabetes critical illness cover may not be readily available at this time due to the higher risks of developing cardiovascular issues and other health concerns.

It is important to note that if your Gestational Diabetes does not result in any further complications post-pregnancy, critical illness cover should be easily accessible for most individuals.

Income Protection

Gestational Diabetes income protection may not be readily available in the current market due to additional health concerns and the heightened risk of needing time off work.

Applying for income protection post-pregnancy should be straightforward as long as there are no complications or issues.