Term Insurance for Diabetics in UAE: Features, Plans & Buying Guide

What is Term Insurance for Diabetics?

Term insurance for diabetics is designed to offer financial security to individuals diagnosed with diabetes. In case of the insured individual’s death during the policy term, their family receives a death benefit. This sum can help them manage expenses during a difficult time.

In the UAE, term coverage is especially important for individuals with diabetes. It ensures that their family is financially protected and offers peace of mind. Just keep in mind that the coverage amount and premium depend on the severity and management of the individual's health condition.

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Benefits of a Diabetic Term Insurance Policy

Term insurance for diabetics offers a plethora of benefits to the life assured’s nominees. Listed below are all the major perks —

Financially protects the beneficiary or the family by giving them a death benefit
Several plans offer an optional second medical opinion benefit
Various premium payment modes are available — annual, half-yearly, quarterly, or monthly

Features of a Diabetic Term Insurance Policy

Let’s understand the core features of term insurance for diabetics —

Affordable Premiums – Unlike life insurance policies, term coverage for diabetic patients has affordable premiums. This is because with term plans, there’s only a death benefit — no investment component is present. Just note that due to conditions like diabetes, there can be a loading on the premiums.
Comprehensive Coverage – A term plan for diabetics offers sum assured for natural death and may include rider benefits like accidental death and critical illness benefits.
Ensures Family’s Financial Stability – A diabetic term insurance policy offers a lump sum death benefit to the nominee in case the life assured passes away during the policy tenure. The death benefit offered serves as financial protection, particularly if the life assured was a sole earner.

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Best Term Plan for Diabetic Patients

Here are the best term insurance plans for diabetic patients in the UAE —

Plan Name	Features	To Apply
HAYAH Term Life Protect	Inclusion: Death benefit Riders: Temporary life cover Terminal illness benefit Permanent total disability benefit Critical illness benefit Passive war risk Waiver of premium benefit	View Plans
Zurich International Term Assurance	Inclusions: Death benefit Riders: Terminal illness benefit Permanent total disability Waiver of premium benefit Critical illness benefit	View Plans
MetLife Live Life	Inclusions: Death benefit Riders: Second medical opinion Medical Discount Card Accelerated terminal illness Accelerated critical illness Accidental death Waiver of premium benefit Permanent total disability War risk	View Plans
MetLife Live Life Now	Inclusions: Death benefit Riders: Second medical opinion Medical Discount Card Accelerated critical illness Accelerated terminal illness Accidental death	View Plans
Takaful Emarat Fixed Term	Inclusion: Death benefit Riders: Critical illness benefit Terminal illness benefit	< View Plans
Orient International Term Plan	Inclusion: Death benefit Riders: Terminal illness benefit Permanent total disability benefit Passive war risk Critical illness benefit	View Plans
Sukoon Lifeguard	Inclusion: Death benefit Riders: Critical illness benefit (accelerated and additional) Hospital indemnity rider Permanent and total disability rider — accident & sickness (accelerated) Accidental death benefit (additional) Waiver of premium due to permanent total disability	View Plans
LIC Life Protection Term Plan 278	Inclusion: Death benefit Riders: Critical illness benefit (accelerated)	View Plans

How Does Diabetes Type Impact Your Term Life Insurance Policy?

Here’s how the type of diabetes you're diagnosed with impacts your diabetic term insurance policy —

If diagnosed with Type 1 diabetes, the patient is considered at a higher risk. This is because this condition is usually considered difficult to control and is diagnosed at an early age. It leads to higher premiums.
If diagnosed with Type 2 diabetes, the patient is considered at a lower risk as this type of diabetes is diagnosed at a later age in life. Since it does not have much time to impact the body, there are lower risks of health complications. The risk is even lower if the patient is mindful of their health and takes the necessary steps. However, if you are dependent on insulin, the premium can be higher.

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Factors to Consider When Buying Term Insurance for Diabetics

Before purchasing the best term plan for diabetic patients, consider several key factors. Here are some factors to consider —

Age of Diagnosis – If you’re diagnosed with diabetes at an early age, you are at a higher risk of contracting serious illnesses in the future. This can lead to higher premiums for the required sum assured. However, if diabetes is diagnosed at a later stage, the risk is lower — the loading charge would be lower.
Blood Sugar Levels – The insurance provider will consider your HbA1c test reports. This report details the average blood glucose levels for the last 2 to 3 months. It will help in estimating the cost and benefits you will get.
Types of Diabetes – Type 1 diabetics and patients taking insulin often find it difficult to control their sugar levels and are considered at higher risk. In this case, the premium will also be higher.
Other Health Issues – As a diabetes patient, if you are diagnosed with any other health issue, you need to inform the insurer. The coverage and premium will vary in such a situation. If you don’t inform at the time of policy purchase, the policy claim is likely to be rejected later.
Pre-Medical Screening – It is suggested to get a pre-medical screening done to have an idea of your health condition. This test can help in analysing the coverage you would need and the applicable premium to get the maximum benefits. How to Lower Your Term Insurance for Diabetic Patients' Premium?

Premium or the cost of coverage is a key factor to consider when you decide on a diabetic term insurance policy. Here are some tips to get the best term plan for diabetic patients at a lower premium —

Keep Up with a Healthy Lifestyle – Regular exercise, routine health check-ups, and a balanced diet can help manage your condition effectively. This can also show insurers that you are a lower-risk candidate, which can bring down the premiums.
Regularly Monitor Your Sugar Levels – Keep track of your blood sugar levels and make sure they are in the recommended range. This documentation plays a critical role in the insurance application process.
Select the Right Sum Assured – Estimate the coverage amount you would need. Avoid opting for an unnecessarily high sum assured as it can increase the premium.
Early Application – Apply for insurance at a younger age. The younger you are, the lower the premium.
Consider Opting for Policy Riders – Consider including riders like critical illness or accidental disability benefits. They can provide additional coverage without increasing your premium significantly.

Where to Buy Term Insurance for Diabetic Patients in the UAE?

You can easily buy term insurance for diabetic patients in the UAE on Policybazaar.ae. We offer plans from the leading providers in the country under one roof. The process is simple — you can buy a plan in just a few clicks.

To start with, fill in the application form with accurate information. You will be taken to the quotes page, where you can compare the top plans and choose one that suits your requirements.

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Frequently Asked Questions

Yes, diabetes patients can buy term insurance. However, they would need to undergo a medical examination and may have to face higher premiums.

Most insurance companies require comprehensive medical tests like HbA1c levels.

Yes, patients with Type 2 diabetes can get term insurance. However, insurers often levy a condition that the individual should not be consuming insulin beyond stipulated levels.

Yes, the premium can become slightly higher than regular term plan premiums.

Yes, you would need to get a medical test — especially blood sugar level test — to buy the plan.

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