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Can I Get Life Insurance with Gestational Diabetes?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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What is gestational diabetes?

Gestational diabetes is a type of diabetes that affects pregnant women, usually during the second or third trimester. Women with gestational diabetes don’t have diabetes before their pregnancy, and after giving birth it usually goes away. In some women diabetes may be diagnosed in the first trimester, and in these cases the condition most likely existed before pregnancy.

Gestational diabetes is usually diagnosed through a blood test at 24–28 weeks into pregnancy. Women who have had the condition in previous pregnancies may be tested earlier. With good management of gestational diabetes, you can increase your chances of having a healthy pregnancy and baby.

What causes gestational diabetes?

The hormones produced during pregnancy can make it difficult for your body to use insulin properly, putting you at an increased risk of insulin resistance. And, because pregnancy places a heavy demand on the body, some women are less able to produce enough insulin to overcome this resistance. This makes it difficult to use glucose properly for energy, so the glucose remains in the blood and the levels rise, leading to gestational diabetes.

Who is at risk of gestational diabetes?

Women can significantly reduce their risk of developing gestational diabetes by managing their weight, eating healthily and keeping active.

You are at an increased risk if you:

  • are overweight or obese
  • have had gestational diabetes before
  • have had a very large baby in a previous pregnancy (4.5kg/10lb or over)
  • have a family history of diabetes (parent, brother or sister)
  • are from a South Asian, Black or African Caribbean or Middle Eastern background.

Having Gestational diabetes, will not stop you from getting life insurance or Critical Illness, once blood sugar levels have returned to normal following child birth. We can also consider applicants who are still suffering Gestational Diabetes on a case by case basis.

If you are interested in arranging life insurance, income protection insurance or critical illness insurance it really can pay to take Independent advice.

It’s worth bearing in mind, everyone’s situation is different. If you have any questions, or would like some no obligation advice, the best thing to do is call one of our friendly advisers.
They would be happy to explain your options.

Call our award-winning team on: 0800 644 4468

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Interested in related articles?

Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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