High-diabetes necessitates critical illness insurance cover in Alberta

High diabetes refers to uncontrolled or poorly managed diabetes, characterized by persistently elevated blood sugar levels. It can lead to various complications, including cardiovascular disease, kidney disease, liver failure, neuropathy, vision problems, and an increased risk of infections. Critical illness insurance cover in Alberta is often considered essential for individuals with diabetes due to the heightened risk of developing life-threatening complications.

Types of diabetes

Type 1 Diabetes occurs when the immune system attacks and destroys insulin-producing cells in the pancreas, resulting in little to no insulin production. Type 2 Diabetes occurs when the body becomes resistant to insulin or doesn’t produce enough insulin to maintain normal blood sugar levels. Type 1 and type-2 diabetes are the most common forms of diabetes that insurance companies will consider when evaluating your application for critical illness insurance cover in Alberta.

Buying critical illness is a smart step!

Critical illness insurance cover in Alberta provides financial protection by offering a lump sum payment if the policyholder is diagnosed with a life threatening disease caused by diabetes. It can help alleviate the financial burden associated with expensive medical treatments, hospitalizations, rehabilitation, and ongoing care that may be necessary. You can utilize the amount to settle your debts, credit card bills, and other expenses, such as modifications to living arrangements. also there is other option to buy Term Life Insurance. term life insurance offers a way to protect someone’s loved ones’ financial well-being in the event of their untimely passing. the different stages of diabetes are:

DKA: It occurs when the body cannot use glucose due to a lack of insulin. It can result in dangerously high levels of blood acids, leading to dehydration, and potentially coma or death.

HHS: HHS is characterized by extremely high blood sugar levels, leading to severe dehydration. HHS is more common in type 2 diabetes.

Cardiovascular: High blood sugar levels contribute to the development of cardiovascular diseases such as coronary artery disease, heart attack, stroke, and peripheral arterial disease.

Nephropathy: Uncontrolled diabetes can damage the kidneys over time, leading to kidney failure and the need for dialysis or kidney transplantation, which can be life-threatening if untreated.

Retinopathy: Diabetes can damage the blood vessels in the retina, leading to diabetic retinopathy and potentially irreversible vision loss or blindness if left untreated.

NAFLD: It is a condition associated with diabetes. In NAFLD, excess fat accumulates in the liver, leading to inflammation and liver damage. If left untreated, NAFLD can progress to more severe conditions such as NASH, liver fibrosis, cirrhosis, and liver failure.

Infections: High blood sugar levels impair the immune system’s ability to fight off infections, increasing the risk of serious infections such as urinary tract infections, skin infections, and diabetic foot infections, which can lead to sepsis and death if not treated promptly.

A prior assessment is vital

When applying for critical illness insurance cover in Alberta, an insurance company may assess your –

·         Level of diabetes control;

·         Medical history, including complications;

·         Other concurrent health conditions;

·         Smoking or drinking habit, life-style, work;

·         Blood sugar levels and hemoglobin A1C test results;

·         Overall diabetes management regimen;

·         Results of medical exams;

·         Any additional risk factors.

This risk assessment will determine whether you are able to buy critical illness insurance and the cost of premiums. The more risk you have, the more you pay for premiums. We strongly suggest buying critical illness insurance if you have a family history of diabetes or other chronic conditions.

Buy critical insurance illness cover now!

If you are diagnosed with diabetes recently or already living with it, know that proper management is vital. While basic life insurance policies have their limitations, critical illness insurance cover in Alberta is broad in terms of features. Having critical illness insurance offers peace of mind, ensuring access to timely and quality medical care.

If you have diabetes and are looking for critical illness insurance cover, visit Hope Insurance Broker now. We can offer you the ideal insurance to safeguard your future and your family.