Would you pay high premiums for a life insurance policy on a child with type 1 diabetes?
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Child was on policy before diagnosis, through employer. Employer changed Life insurance company. New company won't carry her but old company can't dump her. Would you keep up with premiums? Second question... do all life insurance companies reject T1D? Where the child is grandfathered with the first company, is this something a person should hold onto?
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Answer:
My parents bought me a policy right after I was diagnosed. They must not have had much hope for me. It's long since been cashed in. Really as long as type ones are chugging along these days, I probably wouldn't. To answer your second question, I know I was already diagnosed when I got insurance, so i know I wasn't rejected for being type 1. That was with Prudential. It was also 24 years ago though, so their policies may have changed.
Bozz Mozz at Yahoo! Answers Visit the source
Other answers
Take out a billion dollar policy on her right before Halloween.
Uncle Joey Anti-Cat Mutilation
usually accepted with extra premium if HbA1c n micral r normal n blood sugar is controlled with drugs.
LN
I believe if you've had insurance, they're not allowed to just flat-out reject you. There may be a waiting period or an extra premium, however. You'll always need to pay more for insurance for someone with Type 1 or any other chronic disease. Talk to your HR person. If this continues to be a problem, you'll need to make it a priority to get a job with a national company that offers better benefits from a large group plan.
dingding
Good thing the republicans ruined our chances at national healthcare - now you get to pay the Billionaire Big Time - or die in a ditch. The Billionaire doesn't care one way or another.
Helios
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