A key requirement for the Essential Life policy is to commit to comply with AllLife’s Essential Life Diabetic Control and Control Monitoring Policy.
AllLife’s definition of diabetic control is included with our application form (document ESXALSTF05). You need to accept this definition, and commit to maintaining diabetic control in terms of this definition.
ESSENTIAL LIFE DIABETIC CONTROL POLICY
Diabetic control is the conformance to a prescribed diabetes mellitus treatment regime designed to maintain blood glucose and HbA1C levels at a safe and healthy level. The life insured must commit to following a recognised and accepted diabetes mellitus treatment regime, designed to achieve control of blood glucose levels, and to achieving well-controlled HbA1C levels.
The life insured must commit to taking a Glycosylated Haemoglobin (HbA1C) blood test at least once every 9 months, and to provide a copy of these results to us. Should the life insured register an HbA1C of more than 8.5% in any test, they will receive a diabetic control warning, and we would strongly recommend that they discuss how to achieve better control with their medical practitioner.
Where an individual registers two consecutive scheduled blood tests showing an HbA1C level of greater than 8.5%, the client will be considered to be permanently uncontrolled, and benefits will be reduced to cover claims arising as a result of accidents only.
In addition, if no blood test is conducted within thirty days of the stipulated date (every 9 months), then the Life Insured is deemed to be uncontrolled until they provide AllLife with appropriate test results. Where appropriate test results are provided within 6 months of the stipulated test date the Life Insured will be considered to be controlled, the testing interval will however remain that of the original and will not be based off of the new test date. Where this deemed uncontrolled period exceeds 6 months, the Life Insured is deemed to be irreversibly and permanently uncontrolled.
AllLife's diabetic control protocol has been reviewed by the Centre for Diabetes and Endocrinology, and is likely to be in line with most treating healthcare providers' guidelines. All HbA1C tests must be done at SANAS or LOA approved laboratories.