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I have diabetes, can I have life insurance? – Portal Diabetes and You

    I have diabetes, can I have life insurance?  - Portal Diabetes and You

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    Most companies that offer life and disability insurance exclude people with diabetes, both type 1 and type 2, due to the high chances of these people developing complications. Or when they allow these people to be insured, they charge values ​​well above the average of other people.

    In the insurance market, claim refers to any event in which the insured property suffers an accident or material damage. It represents the materialization of the risk, causing financial losses for the insurer. Source: Wikipedia

    Diabetes, when not treated properly, can lead to disabling complications for people of working age and even premature death. But people with diabetes, when properly treated, get regular physical activity, eat a balanced diet, and use medication properly, can lead healthy lives.

    The World Health Organization (WHO) defines health as “a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity”.

    What is a insurance of life?

    Life insurance is a contract that a person makes with an insurance company to ensure that, when he dies, one or more people indicated by him receive the contracted amount.

    In addition to life insurance, we can also take out permanent disability insurance. The insured receives the contracted amount during life, if he suffers an unforeseen event, such as the permanent loss of function of a member or organ, which makes it impossible for him to perform his professional duties and generate income.

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    Normally, those who have diabetes pay up to 3 times more for life insurance, compared to a person who does not have it, precisely because the insurer sees in these people the possibility of developing complications and thus raising the value for the risk of an accident. happening.

    In the next video, I invited the BiaBética to talk about diabetes and financial health, a little discussed topic in our daily life. Click on the image below to see this cool chat.

    How can someone with diabetes have insurance at a fair price?

    In 2018 I taught a course in the wonderful city, Rio de Janeiro, and I met 3 young people who were developing a life and disability insurance platform for people with diabetes, but one that was inclusive.

    We have been talking a lot about social inclusion these days. Social inclusion cuts across several areas: children with mood disorders who are not accepted in schools, people with physical disabilities who cannot get on a bus, people with chronic diseases, such as diabetes, who cannot get insurance of life.

    In 2018, these guys founded the WinSocial and Diabetes, a platform specialized in life insurance for people with diabetes that assesses the health status of people with diabetes. This is because they believe that “what defines a person’s health are their attitudes and their health care, and not the fact that they have diabetes.” Remember the WHO definition of health, which I reported at the beginning of this text? When you take care of yourself, you can have a healthy life, even with diabetes, right?

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    WinSocial & Diabetes in collaboration with Mongeral Ageon Insurance and Social Security offers life insurance and permanent disability insurance for people with any type of diabetes. “After a few months, we validated the assumption that people with diabetes understand that it is important to take care of their health and have life insurance to benefit family members in case the worst happens,” says Rafael Rosas, director of WinSocial & Diabetes.

    THE WinSocial and Diabetes verifies some health data provided by the client at the time of hiring. They are:

    • Years
    • sex
    • BMI – Body Mass Index
    • Diabetes (type of diabetes and glycosylated hemoglobin test)
    • Family history of heart disease
    • Other chronic diseases
    • Total cholesterol (mg/dl)
    • Blood pressure at rest (mm/Hg)
    • Smoke

    THE WinSocial and Diabetes accepts people between 18 and 70 years old. When renewing the insurance, only health care is taken into account, and the price does not increase with age. People with diabetes, often excluded from this type of insurance, can now be protected at a fair price.

    Do you want to know what is most relevant when we talk about life insurance?

    People who are assessed as high risk of loss have their insurance amounts modified according to their age. As a health plan, the older you get, the more you pay for the plan, because there are likely to be more appointments and more hospital stays, right?

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    with life insurance WinSocial and Diabetes, we are talking about not having an age adjustment, since this is the only insurance that rewards your health. The healthier you are, the cheaper your insurance premium will be!

    Do you want to know more about this insurance, made for you who have diabetes? Click the button below and receive a free consultation.

    I WANT TO KNOW MORE ABOUT LIFE INSURANCE

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