Can I get critical illness cover with diabetes?

I’ve recently got my first mortgage and have been advised to get critical illness cover by a friend, i’ve got diabetes. Would I be able to get this kind of insurance?

Question asked by Gordon Handsome
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Answered by Will Martin

Critical illness cover will pay you a lump sum if you suffer a severe illness such as cancer, heart attack, stroke or motor-neuron disease. It is designed to pay off your mortgage or provide a lump sum to you or your family to spend how you please.

What kind of diabetes you have makes a difference?

Type 1 diabetes is typically diagnosed at childhood when the pancreas does not produce enough insulin.

Type 2 is diagnosed as a middle aged adult usually with high blood pressure and cholesterol.

Unfortunately you will not usually be able to obtain critical illness protection if you have Type 1 diabetes. If however you have well controlled Type 2 diabetes with no complications there are more options for you.

Depending on the critical illness insurer they will either increase your premium or place an exclusion on the policy for diabetes and related conditions.

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It is vital to speak to a good adviser here who will be able to source you the very best option for your circumstances at an affordable price. You can contact us on 01273 646 484 or pop us an email on

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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