Diabetes|Diabetes requires 8 tests to buy insurance? Category 1 patients may be denied coverage | Headline Daily

According to statistics, there are currently about 700,000 diabetics in Hong Kong, that is, 1 out of every 10 Hong Kong residents. According to estimates by the International Diabetes Federation, by 2030, the number of people with diabetes in Hong Kong will surge to 920,000 (that is, 13% of the population suffers from diabetes), and the number is clearly on the rise. Among people under the age of 35, 2% already suffer from diabetes; and over the age of 65, more than 20% of people suffer from diabetes. If unfortunately suffering from diabetes, what impact will it have on the insurance policy?

What is diabetes?

Diabetes is a chronic disease of metabolic disorders. When we eat carbohydrates (including sugar, starch, etc.), they will be converted into glucose after digestion, which will be absorbed by the small intestine and enter the blood circulation system to become blood sugar. The pancreas secretes insulin, which helps blood sugar enter the cells for use.

Blood sugar rises when the body doesn’t produce enough insulin or when the body can’t use the insulin it produces. Excessive blood sugar can lead to fat and protein metabolism disorders, and in the long run, it will cause damage to multiple body systems and organs, including: brain, cardiovascular, retina, nerves, kidneys, feet, etc.

Subdivided into 4 types of diabetics, click to see the details:

What are the key points to consider when underwriting an insurance company?

In addition to understanding the above information, insurance companies usually require the insured’s physical examination report, blood test (such as HbA1c), routine urine examination, and a doctor’s report may be required depending on the situation. The good news is that diabetics with good blood sugar control have the opportunity to be covered by insurance companies.

Coverable Condition, Category 1 Patient or Denied Coverage

The above are the general possible underwriting conditions. The author pays attention to the fact that insurance companies in Hong Kong sometimes offer “sub-health” short-term insurance discounts to relax the insurance requirements for diabetics who have good control; or some special insurance types allow diabetic patients to insure without underwriting. When encountering these good insurance opportunities, sugar lovers will know what to do.

Written by: Dr Leung Yan Fu

The above content is provided bycelebrity +Provided, title edited by Sing Tao Toutiao

Gayon in the same field: Diabeticdiet control

The prevention and control of diabetes is closely related to eating habits. Huang Zhuoli, an endocrinologist and diabetes doctor, made an analysis of various popular healthy eating patterns, including the “fasting method” that claims to help lose weight, and taught everyone how to improve their diet. , choose correctly and avoid the trap.

Click to see details

Diabetics should be cautious about fasting to lose weight

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