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Life Insurance

Life Insurance for people who have had hepatitis B should be available at normal terms if you are fully recovered from the condition and there is no resultant liver damage. The insurer will probably ask you whether the hepatitis was caught due to drug use. If the condition was caught due to drug use it is possible that the insurer may offer Life Insurance at an increased premium or decline the application, depending upon individual circumstances.

For those who still have hepatitis B and are responding well to treatment Life Insurance may be available at non-standard terms, which will involve a premium loading to the policy.

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Critical Illness Cover

Critical Illness Cover for those who have hepatitis B will likely be available at normal terms. The insurer will want to know that you have fully recovered from hepatitis B at the time of application and that you have no resultant liver damage from the condition. As with above, if hepatitis B was caught due to drug use the insurer may offer non-standard terms of cover or decline your application.

For those who still have hepatitis B, Critical Illness Cover will need to be arranged with a specialist insurer.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for people who previously had hepatitis B should be available at standard terms. The insurer will want to know if you have had any time off work in recent years due to the hepatitis or any other condition. You will need to be fully recovered from hepatitis B and have no lasting liver complications in order to access normal terms of cover. If the hepatitis was caused by drug use the application may be accepted at non-standard terms or declined.

If you still have hepatitis B you may be able to secure short-term Income Protection. The policy will come with an exclusion to any claim related to hepatitis B.

Get an Income Protection Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have hepatitis B include:

  • Development of chronic hepatitis B
  • Need for the flu vaccine and pneumococcal vaccine
  • Changes in environment to reduce feeling of itching
  • Changes in lifestyle e.g. avoiding alcohol

Medications and Treatments

  • Entecavir
  • Hepatitis B vaccine
  • Hepatitis B immunoglobulin
  • Ibuprofen
  • Metoclopramide
  • Paracetamol
  • Peginterferon alfa-2a
  • Tenofovir

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Hepatitis B is an infection that is transmitted through contact with blood, or any bodily fluid that contains traces of the virus. Most people will recover from the condition within six months and develop a lifelong immunity to hepatitis B. The virus can survive outside the body for seven days and can enter the blood stream through a small cut or graze.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research