Hi All,

Sorry if this is not the right forum.

I was diagnosed with high blood sugar, HBA1C 11 last year. (Diabetes is 6 & above so this is considered way above).

But within 3 months, with exercise and diet, my HBA1C declined to 6 (non-diabetic border), 3 months later it was 5.2, another 3 months, it was 4.4 and since then it's below 5... ie, completely normal except for that 1 high reading last year.

I intend to get PruHealth or another medical card this year.

My question is, if there's any insurance agents around or anyone with experience on this - how do I disclose this and what will the insurance companies do? Is this considered normal case if I submit all the medical records or will exclusions for diabetics apply?



Note: I am interested to find out what are insurance companies' process of evaluating risks and how they view cases like mine, the ADA (American Diabetic Association) defines remission as "1 full year of normal blood sugar without the aid of any medication or insulin", by which definition, I am considered in remission, anyone who has knowledge on this please share, haven't come across agents who can answer this yet... usually tell me not to disclose but I prefer not to take such risks.

This post has been edited by fztt: Aug 29 2012, 02:18 PM

Easy question. Just send both medical reports, telling the company that one of the earlier medical report has misdiagnosed you with higher sugar level because you did not fast but drank 2 teh tarik with extra sugar before taking the blood sample.
Tell the company that you have then realised the mistake and have taken another blood test which show the correct result.

It is up to the insurance company to decide whether additional tests are needed but you have fulfilled your disclosure requirement.

This post has been edited by fred131: Aug 29 2012, 11:03 AM

Errr... don't think so because HBA1C is 3 months average, only Fasting Glucose reading will be affected by extra sugary drink... and a non-diabetic will be able to clear the extra sugar within 2 hours after the last meal...

Thanks for suggestion, anymore inputs please...

This post has been edited by fztt: Aug 29 2012, 12:30 PM

The insurance company will ask you to go for another round of tests at the clinic of one of their panel of doctors.

Don't worry too much.

Agents who tells you not to disclose are trying to find a quick way to get the case approve so that they can receive the commission faster. Good for the agent, bad for you.

You're risking paying the premiums and should there be severe hospitalization due to diabetic related issue, the claims will be rejected. I'm sure this is not what you want.

Severe Diabetic can lead to amputation of limbs/legs, blindness, kidney failure and many more illnesses. This is why the insurer is very careful when selecting cases that has blood sugar level warning.

I'm doing a little bit of risk assessment here, I hope you don't mind answering. You can PM me the answers if it is not convenient to answer here.

1. You said last year, exactly when was it that you were diagnosed the high blood sugar? Jan? Dec?

2. Where were you diagnosed? At GH? at BP Lab test? At clinic?

3. The readings that you have now, where were they done? Is it at the same place that you're first diagnosed with?

4. After being diagnosed, was there any medication being prescribed? If yes, what is the dosage and how often do you take them?

5. Are you still taking the prescription? If not, why did you stop?

6. Were you hospitalized with regards to diabetic complications before?

7. What did the doctor said with regards to your raised blood condition?

8. What was your height & weight when you were diagnosed with raised blood sugar?

9. What was your height & weight when you were diagnosed now?

10. What about your family history, is there anyone with diabetic complication? (whether dead or alive)

11. Did you take time off from work/study as a result of the diabetic complications, if any?

Do note that the above questions is not exhaustive and any other questions may arise as the underwriters sees fit.

Hi Roy,

Really appreciate your response, I will PM you but for the benefit of forumers who are following this thread and might have similar questions, I'll post a summary later after getting your reply.

Thanks once again for helping out.

No problem. Glad to be of assistance. This is similar to what happen to one of my prospect. He got mis-diagnosed by one of the young trainee doctors at the GH for hypertension.

The answers you given were rather positive and I don't see any issue to get a medical card by proper declaration.

Please keep all records, which will be needed to be submitted along with the proposal form.

If you need a quote, do PM to me the following:-
1. Date of birth
2. Smoking status
3. Gender
4. Occupation
5. Email address (for me to send to you the full quotations & brochures)
6. Budget per month

Do note that medical cards needs to take care of us till age 70/80 (that is when we lose our company cover, retired) or even longer and no doubt the premium is leveled, the insurance charges do go up especially at age > 65. Full disclosure of the insurance charges are in the brochures.

Hi Roy,

Thanks, I will consider it.

Do you mean that if I have all the records, it's not likely the insurance company will ask me to do a medical checkup?

Ps: I would strongly advise forumers trying to sell "miracle cures" like magic diabetes pills, magic water filter, etc to KINDLY DO NOT SPAM MY INBOX offering me your wares.

Medical check up records are only valid for 6 mths. If your records go beyond the 6 mths, you'd most likely be required to take a new test during inception at any of our panel clinic.

Even if the insurance company requested you to do the medical check up, it is a normal & routine check up. The bill will be paid by the insurance company, in the range of RM 100-150. Zero cost to you.

This post has been edited by roystevenung: Sep 1 2012, 12:44 PM

Thanks again Roy, for all the help.


ps: For those who pm'ed me offering "miracle cures", do realize that KKM can take action against you for claiming 'cure' in selling your wares for any of the 36 critical illness. You guys(and ladies) are a bunch of vultures roaming forums like this one, hoping to prey on the ignorant and the desperate, shame on you, next one who pm me I'll open a thread to show everyone what you offered and what you claimed your miracle product can do.

i'm a type1 diabetes.. just diagnosed around 2 months ago..
my last week first follow up report was perfectly good..
i'm 22 years old now.. wishing to buy an insurance too..
i might scare insurance company will reject it.. then i will not have any insurance coverage for me.. anyone can help?? =((