Folks ,

Some where last year , my doc had advised me to be cautious wrt blood glucose as the report read 5.9 and he felt it was borderline .

My q is - if I get another checkup done by the family doc and he orders a report , will this report be accessible to Insurance Companies ..... as I plan to go for an Insurance over the next few months . ?

Apart from buying own blood glucose monitoring kit , are there any other ways to monitor blood glucose other than through a doctor - do pharmacists do this ?

Thanks .

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Fido.

Hi Fido,

The insurance companies will ask for details of your GP and will ask him/her for detailed medical records - which your doctor will be obliged to provide.

Another aspect on this is the fact that insurance contracts are based on "utmost good faith" which requires a party to the contract to disclose anything adverse to the other party to the contract. By not reporting/disclosing this, it is possible that claims can get bogged down/denied.

It'll probably be better to declare everything and keep records of complete disclosure to help claimants.

Rgds

New

yes it will be accessible by the insurance company, they go through your ohip (if u live in ontario) and can easily find the result - Better tell them the truth - They are very smart people, they will do all their best not to pay if ever they find something not properly answered in your questionaire.

Their terms usually read as follows: If any of the information is incorrect or incomplete, it may result in coverage being null and void and no benefits paid.

Actually the doctor do AIC, to check your level of blood sugar (if i am not mistaken its something 6 months) of fasting sugar in your blood and determined the level if you are diabetic or not.

Machine is free (when you buy 100 strips) which is around $100, but is not acurate, to tell if you are diabetic or not as the proper way to know if u r diabetic is doing the AIC.

Folks ,

Thanks for the responses . As of now I do not know what the status is as the last test was done last year on which I was not diabetic .

Before I go for an Insurance which can be another 6 months , I can control my sugar and other related things ( or so I hope ) ........ actually it has to be beyond that period now .

One q answered - that the Insurance Cos can have access to OHIP records . To the other one - can pharmacists do this strip test and if yes , any idea how much they charge ??

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Fido.

I am not sure if pharmacist do the strip test, but if you want to play safe - Buy the strips yourself (and u can get a free machine) with 100 strips. Monitor ur sugar level 3 times a day, such as fasting sugar in the morning, one after lunch (2 hrs) and one after dinner (2 hrs) and it will give u an idea if u r near the border line. Better monitor it yourself continuously.

Thanks Folks for the responses and meaningful advise .... I guess the same would go for auto / home insurance and one should be wary of misrepresenting .

In my case however , I am not a diabetic but just wish to be a bit more cautious before taking the Insurance as my last test did reveal some tendency although as some one from the board has pm s the threshold is 7.2 .

In my case there has been no record of my being diabetic and I do not wish to have an official record for the same .... Type 2 diabetes is known to be controlled through food and exercise ....

Q - if there has been no record of diabetes , and assuming I exercise and diet for next 4 months before taking insurance and assuming that at that time blood glucose is no concern , how would the Insurance Co. claim misrepresentation . ??

An esteemed poster has pm d me and answered my q wrt pharmacist advising that pharmacists can oblige you with free tests .

Coming back to glucose monitors - any recommendations ? I was planning for Bayer Contour as I intend to monitor weekly ........ are there any with cheaper strips ? Thanks .

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Fido.

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Originally posted by ashedfc

Quote:

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Originally posted by Fido
Before I go for an Insurance which can be another 6 months , I can control my sugar and other related things ( or so I hope ) ........ actually it has to be beyond that period now .

One q answered - that the Insurance Cos can have access to OHIP records . To the other one - can pharmacists do this strip test and if yes , any idea how much they charge ??

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Getting insurance is one aspect, & getting the claim paid (the actual claim of the insurance is completely a different aspect) of life insurance.

1. Why wait 6months, when you already know some info,
2. Get a term (the most basic/cheapest insurance) atleast to protect yourself from any future medical issues. Later on after 6 months, when you feel you are better, you can redo the whole thing for a better rate. This way atleast you will have something..
3. If a policy gets approved, without proper disclosure, this is enough reason for these insurance companies to deny any claim. Because, at the time of claim: they will get into the medical history, details of everything before finalizing any claim payment. If they find any material fact, which was not disclosed... that's it.
4. Beneficiaries can take legal action, but these insurance companies have lawyers on payroll, & they know how to defend.

I had a client, her Critical Illness claim was denied (due to nondisclosure of material facts); & you will be surprised, they refunded the entire premiums paid, & the 4yr old policy (Critical illness including Life insurance) is Null & VOID, as if the policy never existed.
This example is an eye-opener: for everyone, who do not disclose important info while applying for insurance.

Good Luck with you health (on a personal note: start eating lots of KAREILA, the bitter vegetable, its known for helping insulin producing beta cells of pancreas)

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