Diabetic Life Insurance

Invest in your wellbeing,
Secure your life.

Diabetes is a major cause of
blindness, kidney failure, heart attack,
stroke, and lower limb amputation.

Created for you

Our Diabetic Life Insurance product is not just for those who carry on without you, it has been specifically created for you too.

Rewrite your story

As a Niche Insurance Provider, we realise the challenges related to life cover for people living with diabetes, which is why we have partnered with Guidepost and designed a product that provides our Insured Person with both a means to manage their HbA1c levels, and obtain insurance cover at a competitive rate.



You and your dedicated diabetes coach will walk a journey of progressive improvement through a series of individualised tele-consultations. Managing diabetes is hard and having an expert who cares about you every step of the way is the best approach to making lasting improvements.


Making change happen is difficult but people who join Guidepost and actively participate in the programme are able to substantially reduce their HbA1c, go to hospital less frequently and live longer, healthier lives.


Guidepost has helped thousands of people with diabetes in South Africa to master their condition. The Guidepost team of experts includes nurses, dietitians, doctors and scientists who create the tools and techniques you’ll be using on your own personal journey to improvement.

Summary of Policy Terms and Conditions


A waiting period of 3 (three) months starting from the Inception Date applies for Natural Death. During this period, an Insured Person is not covered for Natural Death and the occurrence of such Claim Event will result in no entitlement for any Policy Benefit. No Waiting Period will be imposed for Natural Death in instances where the Insured Person was covered on a similar Policy with an alternate insurer in the 31 (thirty-one) days before the Inception Date of this Policy, provided such Waiting Period on the similar Policy with the alternate insurer had already expired. The Waiting Period on this Policy will, in such an instance, be waived, provided this is a replacement Policy for the similar Policy held with the alternate insurer. Proof will be required in such instances confirming the alternate Policy remained cancelled failing which the full Waiting Period, as defined, will be applicable for the Insured Person on this Policy.


There is no Waiting Period applicable to Accidental Death.

The Insurer shall not be obliged to make any payment in respect (of any Claim) of any condition or event which is directly or indirectly caused by, arising from, contributed to by, aggravated by, connected with, traceable to or resulting from any of the following:

  • Intentionally self-inflicted injury, suicide, or a suicide attempt (whether sane or insane) within the first 24 (twenty-four) months from the Inception Date of this Policy;
  • Any Pre-existing Condition of which the Insured Person was aware of and which had its origin before the Inception Date of this Policy, including any condition whether intentionally or not intentionally, not disclosed at Policy inception stage. Nondisclosure of any condition could render the Policy immediately cancelled;
  • If death occurs within 12 months of policy inception, or date of reinstatement (whichever is later) no benefit will be payable, if in the 12 months prior to the policy date, or date of reinstatement (whichever is later) the Insured Person is attended to/receives medical treatment/consultation/care/services from a healthcare practitioner, including diagnostic tests or screening, which leads to a diagnosis of a condition, ailment or disease that contributed to the Insured Person’s death and has not been disclosed and accepted by the Administrator or the Insurer.
  • The Insured Person committing any breach of (any) law or criminal law;
  • The Insured Person’s participation in any criminal activities;
  • No payment will be made under this Policy if the Premiums have not been paid up to date or if the Insured Person has not complied with all the obligations and conditions of this Policy;
  • Nuclear accidents, war or armed conflict (whether war be declared or not), terrorist or insurgency activities, rebellion, civil commotion, sedition, sabotage, or any activity associated with the foregoing, or the defence, quelling, investigation, or containment thereof by any security force;
  • Illegal acts of the Insured Person or the Insured Person’s personal representatives will not be covered.

You qualify for this policy if:

  • You are a South African Citizen;
  • You reside within the borders of South Africa;
  • You have been diagnosed with Type 1 or Type 2 diabetes and You agree to participate in Guidepost’s Diabetes Management Programme;
  • At the Inception Date of the Policy You were older than 18 (eighteen) years but younger than 65 (sixty-five) years; and
  • There are no age limits once cover is in-force provided all Premiums are paid up to date.

On the occurrence of a Claim Event, the Insured Person / Policyholder or Claimant must contact us on:

  • Email: claims@sirago.co.za
  • Telephone: 010 599 1163

within 6 (six) months from the Claim Event date. The Insured Person / Policyholder or Claimant will have a further 6 (six) months in which to submit the required documentation for the Claim to be assessed and finalised.

This is a summary of the benefits, for all terms, exclusions and conditions please refer to the policy wording or contact your broker.

This Diabetic Life product is administered by Oats Risk Services (Pty) Ltd, an Authorised Financial Services Provider (FSP: 49169) and is underwritten by Guardrisk Life Limited, a licensed Life Insurer under the Insurance Act and an Authorised Financial Service Provider (FSP: 76).

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