Viral Hepatitis & Life Insurance

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Viral Hepatitis & Life Insurance

We understand that being diagnosed with hepatitis can sometimes come as a surprise or be an emotional time. Our experienced advisers will help as best they can to find something which best suits your needs.

In order to help you to get the right policy, we’ll need to know a few key things. These include:

  • When were you diagnosed with hepatitis?
  • What type of hepatitis were you diagnosed with?
  • What treatments did you need?
  • Have you had any lasting liver damage?

Life insurance when you have had hepatitis can be relatively simple provided that you have fully recovered from the condition and there are no lasting complications with the liver. If this is the case and you have no other disclosures on your application it is likely that your policy will be accepted at standard terms straight away.

For those who still have hepatitis or have developed chronic hepatitis the insurer will want to develop an understanding of how much your health is affected by the condition. Any secondary conditions that you have will also need to be detailed to the insurer so that they can get a clear picture of your overall health. In these circumstances you will generally find that any offer of insurance that you are given will come with a higher policy premium to offset the added risk presented by the hepatitis.

Please use the link below to get specific guidance as to how different types of hepatitis are treat for insurance purposes.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover for those who have had hepatitis should also be quite standard to arrange provided that you have fully recovered and there is no lasting liver damage. As hepatitis is generally an acute condition that results in a lifelong resistance once fully recovered, insurers will often offer critical illness cover at normal terms. Please see the list of conditions below to establish how hepatitis is viewed by insurers.

Critical illness cover for those with acute or chronic hepatitis will need to be arranged with a specialist insurer.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Applying for income protection when you have had hepatitis should be pretty straightforward. If you have fully recovered and have no lasting implications with the liver then income protection will typically be available at standard terms.

For those who still have hepatitis you will need to apply specifically for short-term income protection policies. Whilst you should be eligible for this type of policy the insurer will review your cover on a case by case basis. They will be particularly interested in whether the hepatitis has caused any time off work. You will find that any offer of income protection that you are given will come with an exclusion to any claim that is related to hepatitis.

Please use the links below to access specific information regarding the different types of hepatitis and insurance.

GET AN INCOME PROTECTION QUOTE

Are you planning on going abroad? It is important that you know what your travel insurance covers you for.. Take a look at our travel insurance page for more details here.

What Viral Hepatitis?

Viral hepatitis is a condition that causes inflammation and damage to the liver. Hepatitis that is caused by a virus might resolve after a short time, but it can also become a long-term (chronic) condition.

Linked with: Alcoholic hepatitis, Autoimmune hepatitis, cirrhosis of the liver, Hepatitis A,Hepatitis B, Hepatitis C, Hepatitis D, Hepatitis E, jaundice, liver cancer

Some potential problems experienced by someone that has had hepatitis:

  • Avoiding alcohol
  • Muscle and joint pain
  • Nausea
  • Tiredness
  • Loss of appetite
  • Itchy skin

By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).

Common Questions

Hi, thank you for getting in touch with us. The first thing that insurers will want to know is what type of hepatitis you had, if you are recovered from it and if your recent liver tests are in normal ranges.

If you can have all of this information ready for us, one of our advisers will be in touch to let you know what options you can have for life insurance, critical illness cover and income protection.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 739 reviews.

Review by Vicki on 14th June 2019

Very helpful, and thorough, Kathryn explained everything very well and made me feel at ease when chatting about personal things! I was recommended to use them because my husband was also very pleased with this service provided! And I wasn't disappointed!! A BIG THANK YOU 🙂 - 5 

You can read more of our reviews here.

Viral Hepatitis & Life Insurance

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Viral Hepatitis & Life Insurance

Client Reviews

Viral Hepatitis & Life Insurance

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

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