The problem with someone who is diabetic if he or she misses a meal after taking their medication they could quite easily go into a condition called Hypoglycemia.
In this condition they can appear to be drunk and will eventually pass out without treatment.
Their is also added problems that can appear in the long term damage to the Kidneys,Eye. Infections
I think that is the reason why the Insurance companies charge more.
Its not the answer you are looking for but I thought you should know