The Insurance Surgery | March Update 2025
19 March 2025
As a specialist protection broker, we support customers with medical conditions every day, helping them find the cover they need. Here are the latest updates from The Insurance Surgery:
Critical Illness Cover for HIV & Type 2 Diabetes
We’re pleased to share that critical illness cover is now more accessible for individuals living with HIV and Type 2 Diabetes, subject to the following criteria:
HIV
- Undetectable viral load
- CD4 count over 500
- No history of Hepatitis or TB
We can find a critical illness policy with no exclusions, only a small rating will be applied.
Type 2 Diabetes
- Age 40+
- Diagnosed within the last 10 years
- Well-managed condition with no complications
- BMI within a normal range
- Blood sugar & cholesterol under control
We can find a critical illness policy with no exclusions - a rating will be applied.
Mental Health – Life insurance
Clients with a history of mental health may now be eligible for standard life cover provided they meet the following:
- Condition stable for at least 12 months
Please note, there will be a permanent suicide exclusion, on this policy.
For those with a history of suicide attempts within 12 months, cover may be more difficult to obtain —but we’re happy to explore options on a case-by-case basis.
Automated Update Emails
We’ve introduced automated updates to keep you informed on your client’s application progress. Please check your junk folder and mark us as a safe sender to ensure you don’t miss important updates.
If you have any clients who may benefit from support, get in touch—we’re here to help!
Refer to The Insurance Surgery
For more information on the topics listed in this email, speak to the partnerships team on 01625 913444 or start a live chat here.
Best wishes,
The Insurance Surgery Partnerships Team
