Life Insurance Cover
+0% / +0%
CV & MI mortality increase
Type 2 Diabetes increases mortality risk significantly β leading to lower insurance durations, increased premiums, or declined cover.
Impact: Shorter pay-in periods, earlier payouts, loaded contracts.
Ballotari P et al. Int J Endocrinol. 2015;2015:914057.
Health / Medical Aid
+0%
Per member cost vs non-diabetic
Diabetic members cost on average more than 3Γ as much as non-diabetic members β a significant driver of overall scheme expenditure.
Impact: Unsustainable cost pressure on medical aid schemes.
Source: South African medical aid data.
Income Disability Cover
>0%
Returned to work
Swiss Re case: 14 claimants referred (86% acceptance); nutrition-first programme. Outcomes: avg 7.2 kg weight loss, waist β up to 10 cm, reduced medications.
Impact: Claimants return to work, reserves released at minimal cost.
Swiss Re. UK Disability Insurance Pilot. swissre.com
Severe Illness Cover
0%
Of RSA claims driven by the Big Four
T2DM drives cancer, heart attack, stroke, and CABG β the highest cost category for life insurers. Metabolic intervention reduces the upstream risk.
Impact: Lower severe illness payouts through upstream risk reduction.
Source: Old Mutual Protect & Discovery Life claims statistics.