Pre-diabetes critical illness cover has only become available again recently. It is still only available through a small selection of insurance providers.
Some providers will offer pre-diabetes critical illness cover with no medical exclusions. However you should expect to pay a higher premium and some will offer critical illness cover with some exclusions e.g. cardiovascular related conditions.
Most applications for pre-diabetes critical illness cover will require medical information. This could be a medical screening, GP Report or a telephone medical appointment to support your application.
Some reasons why your pre-diabetes critical illness cover application may be declined are:
Currently pre-diabetes critical illness Cover is available to a relatively small percentage of applications. This is where there are no major related medical issues. Life Insurance providers are constantly developing their underwriting. The Insurance Surgery works with a number of major insurance providers to improve products/underwriting.