Health Insurance for Diabetes
Comprehensive coverage guide for diabetes management in New Zealand. Understanding your options for Type 1, Type 2, and complications.
250,000+
Kiwis with Diabetes
5%
Of NZ Population
$2,000+
Annual Management Costs
Why Diabetics Need Health Insurance
Ongoing Management Costs
- Regular endocrinologist consultations
- Continuous glucose monitoring devices
- Insulin pumps and supplies
- Regular blood tests and monitoring
Complication Prevention
- Regular eye examinations for retinopathy
- Kidney function monitoring
- Cardiovascular health screening
- Foot care and podiatry services
Coverage by Diabetes Type
Type 1 Diabetes
- • Insulin therapy and delivery systems
- • Continuous glucose monitors (CGM)
- • Insulin pump supplies and maintenance
- • Emergency hypoglycemia treatment
- • Pediatric endocrinology (for children)
Type 2 Diabetes
- • Oral medication coverage
- • Lifestyle intervention programs
- • Dietitian consultations
- • Blood glucose monitoring supplies
- • Weight management support
Recommended Health Insurance for Diabetics
Wellbeing Starter
- ✓ Specialist consultations covered
- ✓ Diagnostic tests included
- ✓ Emergency treatment coverage
- ✓ Good for newly diagnosed
Easy Health Plus
- ✓ Endocrinologist access
- ✓ Advanced monitoring coverage
- ✓ Complication screening
- ✓ Pharmacy benefits included
Premier Health
- ✓ Vitality wellness programs
- ✓ Nutrition coaching included
- ✓ Latest treatment options
- ✓ Preventive care focus
Diabetes as a Pre-existing Condition
What This Means
- • Diabetes diagnosed before policy start is typically excluded
- • Related complications may not be covered
- • Some insurers offer modified coverage
- • Future unrelated conditions may still be covered
Your Options
- • Look for insurers with diabetic-friendly policies
- • Consider plans with shorter exclusion periods
- • Explore group insurance through employers
- • Focus on preventing complications early
Diabetes Management and Prevention Coverage
Regular Monitoring
- • HbA1c testing every 3-6 months
- • Annual comprehensive eye exams
- • Kidney function tests
- • Cholesterol and blood pressure checks
Lifestyle Support
- • Diabetes education programs
- • Dietitian consultations
- • Exercise physiology sessions
- • Mental health support
Technology & Devices
- • Continuous glucose monitors
- • Insulin pumps and supplies
- • Smart insulin pens
- • Mobile health apps
Frequently Asked Questions
Can I get health insurance if I already have diabetes?
Yes, you can get health insurance with diabetes, but your existing diabetes condition will likely be excluded as a pre-existing condition. You'll still be covered for other health issues that may arise in the future.
Will my insulin and medication be covered?
Coverage for diabetes medications depends on your specific policy and whether diabetes is considered a pre-existing condition. Many plans include pharmacy benefits, but you'll need to check what's specifically covered.
What about diabetes complications?
Complications related to pre-existing diabetes are typically excluded. However, if you develop diabetes after your policy starts, future complications would generally be covered after any waiting periods.
Find the Right Coverage for Your Diabetes Management
Compare health insurance options that support your diabetes care and overall health needs.