Being diagnosed with Hepatitis can be sole destroying for some people. The extent of the symptoms for extreme sufferers can be particularly debilitating, yet others have hepatitis for years and don't even realise it.
Just as the degree of the illness can vary between sufferers, the opportunities to take up life insurance with hepatitis are just as diverse.
As with all types of policy, if you want to apply for Hepatitis life insurance, the key is to be completely open and honest about the level of your symptoms. This enables each case to be assessed on its own merits and ensure that you achieve the level of cover that you expect.
Though you may feel your symptoms are severe, this is not always the perception of the insurance company and it may be easier to obtain the relevant life insurance than you would expect.
Life Insurance for Hepatitis A Carriers
Hepatitis A is a relatively common disease that is transmitted through water and food.
If you do not know that you are carrying Hepatitis A, then a medical for life insurance will probably be the first you know of your condition. However, suffering from the disease should not stop you being able to obtain suitable life cover.
Though many life insurance companies are reluctant to provide life insurance to Hepatitis A sufferers whilst they are experiencing symptoms, there should be no problem in applying for a life policy once you have fully recovered.
Hepatitis B Life Insurance
For Hepatitis B sufferers, obtaining life cover is dependent on the severity of the condition. If you would like to apply for life cover while you are carrying Hepatitis B, then you will be required to undertake a liver function test which will dictate the type of life cover available.
The duration of your condition will also have a direct impact on the type of policy you require. Those who have carried the disease for more than 6 months are usually considered chronic sufferers and will require a specific policy for cover.
Life Cover with Hepatitis C
Sometimes it is not the fact that you have got Hepatitis C that will impact your chances of getting life insurance cover, but actually the way you contracted the disease.
For many, the fact that they have Hepatitis C will come as a surprise as almost three quarters of sufferers have no idea they are infected. However, if you have a history of drug abuse or other dangerous lifestyle choices which resulted in the disease, then this does limit the number of companies that will provide you with adequate cover.
As many people now develop this disorder as a result of relatively safe practices such as blood transfusions or piercings, this will not go against you on your life insurance policy. The extent of your symptoms will be the deciding factor.
Following full liver function analysis and investigation into your diet and lifestyle, you may be offered either term assurance for a given amount of time or a full comprehensive life insurance policy.
Reasons for choosing us for your Hepatitis Life Cover:
We work with carefully selected independent intermediaries who share many years experience in arranging life insurance for people with Hepatitis.
Because our partnered intermediaries are independent they utilise a ‘whole of market’ comparison service to help find you the most suitable policy.
All Hepatitis Life Insurance policies are sold on a fully advised basis by our partnered intermediaries to ensure you are offered the most suitable policy(s) for your requirements.
All our partnered advisors are based in the UK.
Speak to one of our friendly advisers today
If you would like a friendly, no obligation chat with one of our experienced partnered advisers about life insurance for people with hepatitis then please give us a call today on 0800 799 9330 or complete our online contact form below.
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