Can You Claim on Critical Illness For Type 1 Diabetes?

Shawn Plummer

CEO, The Annuity Expert

Can You Claim on Critical Illness For Diabetes?

Critical illness insurance typically does not cover type 1 diabetes. This type of insurance is designed to provide a lump sum payment if the policyholder is diagnosed with a specific illness listed in the policy. Commonly covered conditions include certain types of cancer, heart attack, and stroke. Diabetes, being a chronic condition, is usually not included in the list of covered illnesses. However, policy details can vary, so it’s important to review the specific terms and exclusions of your policy.

Related Reading: Can you get critical illness insurance for type 2 diabetes

Common Exclusions in Critical Illness Insurance

  1. Pre-existing Conditions: Illnesses that the policyholder had before taking out the policy.
  2. Chronic Conditions: Such as diabetes, asthma, or hypertension.
  3. Certain Cancers: Some less severe or early-stage cancers.
  4. Specific Illnesses: Depending on the policy, certain diseases might not be covered.

Importance of Policy Review

  • Check the List of Covered Illnesses: Ensure you know which illnesses are covered.
  • Understand the Exclusions: Be aware of what is not covered.
  • Consult with Insurance Providers: If unsure, talk to your insurance provider for clarification.


While critical illness insurance is valuable for financial protection against specific severe illnesses, it generally does not cover diabetes. Understanding your policy’s specifics is crucial for knowing what protection you have. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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