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We offer you an attractive incentive to keep in good health - a reduction in your premiums (as indicated in the table below). This premium reduction will be made after periodic check-ups to confirm your good health, for which we have created a Diabetes Control Index. This index uses key factors from your regular tests like HbA1c, blood pressure, lipids and weight and is an overall indicator of your control.
Therefore, if you show good control, your Diabetes Control Index will go down and your premium will be reduced for the next year by 5% to 30% of your 1st year's base premium!
Age at Entry (years)
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25-35
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36-50
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51-60
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Premium Reduction Level 1
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5%
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10%
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12.5%
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Premium Reduction Level 2
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10%
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15%
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20%
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Premium Reduction Level 3
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15%
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20%
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30%
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If your results worsen or you miss any of the tests, your Diabetes Control Index will go up. If it rises beyond a scale, you will be required to pay a higher premium for the following year, as indicated below:
Age at Entry (years)
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25-35
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36-50
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51-60
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Higher Premium (over 1st year's Base Premium)
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10%
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15%
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17.5%
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Diabetes Care: UIN 105N064V01
Diabetes Enhanced Benefit Rider: UIN 105B021V01
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