Critical Illness and Income Protection Insurance

[mrmum11]

Hi all,

I am Type One Diabetic and was looking to get some Critical Illness and Income Protection insurance.

I was wondering if there are any insurance providers that do this that include a Pre-Exsisting Medical condition in the cover?

Basically, I would like these insurance's to include if anything happen that was Diabetes related.

Any help would be greatly appreciated.

Thanks,

Andy

 

[grovesy]

I am not able to help but this question comes up fairly regularly, and not seen anyone post having managed to.

 

[KARNAK]

Hello Andy welcome to the forum.🙂 In answer to your question, you have more chance of winning the pools.

 

[mikeyB]

Hi Andy, welcome🙂

Diabetic Folk struggle to get holiday insurance for a fortnight away. Income Protection Insurance is expensive for normal people, depending on your age and income. Nobody on Planet Earth would give you IPI and include the diabetes. Nobody is daft enough. They wouldn’t pay out on anything else, either, they would just say it was due to the diabetes. It’s far cheaper just to put money aside in a savings account for a rainy day. And try and avoid getting rainy days.

 

[everydayupsanddowns]

It’s far cheaper just to put money aside in a savings account for a rainy day. And try and avoid getting rainy days.

That’s an interesting point. There are some things I insure, (car, house contents) and some things I don’t (those policies when you buy white goods).

I guess it’s about risk and peace of mind, but it always strike me that the only reason insurance can actually exist as an industry (and such a successful and wealthy one) is because far more people pay regularly for policies and never make a claim.

Find out what a policy would have cost if you didn’t have diabetes and set up a Standing Order into a savings account!