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Hi, just joined

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Klh-2018

New Member
Relationship to Diabetes
Type 1
Ive benn Type 1 for 5 years (im 35) and never had any serious health problems. But i do have an interest in finding health insurance, so i wont worry too much when im older and develp medical problems. But no idea how to begin.
 
Welcome if you are in the UK am afraid Health Insurance companies don't usally cover pre existing condtions and can have many other exclusions.
 
Ive benn Type 1 for 5 years (im 35) and never had any serious health problems. But i do have an interest in finding health insurance, so i wont worry too much when im older and develp medical problems. But no idea how to begin.
Welcome Klh 🙂
 
Welcome:D
 
Hi Klh, welcome to the forum. I wouldn’t bother with health insurance. I did have it when in developed T1 and ulcerative colitis, but the premiums went through the roof, and a list of exclusions as long as your arm. In the end, just about the only thing I could claim for was leprosy.

In your case, you would become familiar with the refrain “That’s your diabetes”. That would apply to blood pressure, heart problems, cataracts and other eye problems. I really wouldn’t bother.
 
I've had it twice - once by being added to my husband's cover via his employer and the second time when I had an employer that arranged it. It's quite common to be included with no problem on such policies as obviously the total premium they get for all staff and their families, amply more than compensates the insurers.

However now I have a list of things I take tablets for - though not one of them is a complication of diabetes, rather as a consequence of living beyond retirement age - I can't even get affordable medical cover for holidays in Europe.
 
Welcome to the Forum. I am sorry but I have no experience of Type I but wanted to say hi to you and welcome you to the Forum.

I was on a river cruise a few years ago and there was a guy there who was injecting insulin before he ate at our table. Cannot recall whether he was a Type I or insulin dependent Type II. With health insurance for the UK I find the older you get anyway they put it up so much it ends up not worth it. I cancelled mine when I got to about 60 as I was fed up of the increases and I had not claimed nor had anything wrong with me. It is only the last two years \I have had problems with pre-diabetes, got out of it, and now it has gone up again.

A friend of mine has numerous medical problems but he has stopped going abroad as he thinks no-one would insure him and, if they did, it would cost a fortune.
 
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