Life insurance providers won’t always check your medical…
Yes, it’s absolutely possible to secure life insurance if you’ve been diagnosed with hepatitis.
While hepatitis is a general term referring to the inflammation of the liver, there are many different forms of the virus. This article covers:
Hepatitis can either be:
Acute cases of hepatitis are likely to have a lesser effect on the cover you can secure than chronic cases, as there’s less chance serious liver problems will occur.
It’s unlikely you’ll be declined due to a hepatitis diagnosis, but which strain of the virus you were diagnosed with and the severity of your symptoms can have an impact on the cover you’ll be offered.
In cases of a full recovery, it can be possible to secure cover on standard terms.
In life insurance ‘standard terms’ refers to a policy with a standard price premium with no loading due to poor health.
Due to the different underwriting processes used, each insurer will treat hepatitis differently, so by comparing quotes through Reassured we can help you to find an insurer from our panel who’ll offer you the most favourable terms.
We also have a specialist impaired life insurance team on hand to support applicants previously declined.
Why not get in touch for your fee-free and no-obligation quotes?
Yes, if you’ve been diagnosed with the hepatitis virus you’ll need to inform the insurer at the point of application.
Many worry that declaring hepatitis on their application will lead to being refused life insurance, but this is unlikely to be the case.
While it can seem tempting to withhold information about your diagnosis, this can be detrimental in the long run.
Failure to provide the whole truth on your application form is known as ‘non-disclosure’. This can lead to a pay out being denied when you pass away, and any payments you’ve made will be wasted.
Not all life insurance providers will evaluate your application in the same way, so it’s important to compare quotes.
Using a broker, like Reassured, allows you to compare quotes from some of the UK’s best life insurance providers as well as smaller specialists so you can find the right policy, at the right price.
Keep reading to find out more about the different types of hepatitis and how they affect life insurance, as well as:
Securing life insurance after a hepatitis A diagnosis is completely possible.
At the point of application, you may be asked to provide some further details, such as:
Out of the different variants of hepatitis, hepatitis A tends to have a shorter-lived period of infection which typically makes it easier to make a full recovery and become virus-free (with no long lasting, chronic liver problems).
This is because the infection is most commonly spread through consuming contaminated food or drink, rather than through transmission of bodily fluids or at birth.
For this reason, it can be relatively straightforward to secure cover.
If applying for life insurance while the hepatitis A virus still present, it’s likely that your application will be postponed until you have made a full recovery.
You may then be asked to undergo a blood or liver function test during the application process once you’ve recovered.
If you had hepatitis A prior to your application and have fully recovered, it’s likely that you’ll be able to secure cover on standard terms.
Not only can we help you compare quotes but life insurance through Reassured starts from just 20p-a-day † (for applications accepted on standard terms).
It can be possible to secure life insurance after a hepatitis B diagnosis, however, it may not be as straightforward as with Hepatitis A.
The presence of hepatitis B is rare in the UK, but if you’ve traveled to South East Asia or some areas of Africa you could have been exposed to the virus.
This strain of hepatitis can also be passed between mother and child during birth, through injecting drugs or through unprotected sex.
When disclosing hepatitis B during the application process it’s likely you’ll be asked the following questions:
While it’s possible to make a complete recovery from hepatitis B, it’s also possible for the virus to lead to more serious health complications, (such as permanent liver damage, liver inflammation or enlargement).
If hepatitis B is still present when applying for life insurance, it’s likely your application will be postponed until you’ve made a complete recovery.
This is so insurers can see whether the virus progresses into a chronic stage.
If you’ve made a full recovery from hepatitis B, it’s likely that you’ll be able to secure cover on standard terms.
If there’s any lasting damage to your liver as a result of the virus and/or you require continuous treatment, your application may need to undergo manual underwriting and your premiums may be increased due to the increased risk.
Our independent, FCA-regulated broker service can help you compare quotes to find a provider who can offer you a cost-effective solution.
Securing life insurance after a hepatitis C diagnosis can be possible but there may be some complications.
This is because almost 90% of hepatitis C cases are linked to drug misuse, most commonly through sharing needles.
When declaring a hepatitis C diagnosis at the point of application, insurers may ask about recreational, intravenous drug use.
If you’re actively taking drugs, it’s unlikely that you’ll be offered cover. This is because insurers deem drug use as extremely risky behaviour.
If you’re no longer using drugs, but have done so in the past, you may need to undergo some further questioning about your drug use as insurers will need to know:
In order to be offered cover, you’ll need to have been clean for a certain period of time. For some insurers, this can be as little as 2 years, but this can vary between providers.
If you’ve been clean for a long period of time and have made a full recovery from hepatitis, with no long-lasting liver damage, you may experience minimal increases to your life insurance premiums.
If you’ve been clean for a long period of time but have some long-lasting liver damage as a result of hepatitis, it’s likely you’ll experience increased premiums.
This isn’t to say you can’t secure affordable life insurance, but comparing quotes will be essential in securing the best available deal.
To find out more about how drug use can impact your life insurance, you can read our comprehensive life insurance for drug users guide »
Hepatitis D is extremely rare in the UK and differs from other variants of the virus as it can only infect those already infected with hepatitis B.
For this reason, securing cover after a hepatitis D diagnosis is often judged on the same criteria as a hepatitis B diagnosis.
Acute cases that result in a full recovery, with no long-term or permanent damage, will often be able to secure cover on standard terms.
While those that develop into a chronic condition, with long-term liver damage, will likely experience inflated premiums.
Securing life insurance after a hepatitis E diagnosis can be extremely straightforward.
This is because hepatitis E is a much milder strain of the virus (commonly developed after eating uncooked meat or shellfish) and is often self-resolving, making it easier to make a full recovery than other strains of the virus.
If you still have the virus or are still undergoing treatment, your application will most likely be postponed until a full recovery has been made.
Most cases of hepatitis E result in a full recovery so you should be able to secure cover on standard terms if there’s no damage to your liver.
While it’s rare with this form of the virus, if there’s any damage to your liver you should still be able to secure cover but it’s likely your application will need to undergo manual underwriting and premiums inflated accordingly.
Securing life insurance with autoimmune hepatitis can be harder than with other variants of the virus.
This is because autoimmune hepatitis often occurs as a result of living with the virus for a prolonged period of time and can result in severe liver damage as the immune system attacks the liver.
This makes the likelihood of developing further health complications even greater, which increases the risk in the eyes of the insurer.
While it may be harder to secure life cover while living with autoimmune hepatitis, it doesn’t mean it’s impossible.
It can be possible to secure cover through specialist insurers. Reassured work with specialist insurers who may be able to help you secure the cover you need.
Due to alcoholic hepatitis being caused by overconsumption of alcohol over a long period of time, it can be hard to secure life insurance after a diagnosis.
This is because not only will insurers need to take into consideration the damage to your liver, but also your drinking habits.
If you’re still heavily drinking and showing signs of your liver damage worsening, you may be declined.
However, if you’ve stopped drinking following your diagnosis and your liver is showing signs of regeneration, you may be able to secure cover. Although this is likely to result in inflated premiums.
If you require more information on how alcohol misuse can affect life insurance, read our comprehensive life insurance for alcoholics article »
Not all life insurance companies will test for hepatitis, but insurers do have the right to request that you undergo a medical exam before offering you cover.
If your application was postponed while you recovered from hepatitis, you may have to undergo a hepatitis test or liver function test to establish whether the virus is still present and if there has been any damage to your liver.
If you declare any previous drug use, then life insurance companies will often require more information and may require a full medical exam or a test for hepatitis.
While you may not have to undergo a test for hepatitis, there are many ways in which insurers can test for hepatitis if a test is required.
The most common methods used include:
The only exception to this is an over 50s plan, which guarantees acceptance to those aged 50 - 85 without the need to provide medical information.
If you’re within this age bracket and have struggled to secure cover due to hepatitis, an over 50s plan could be an ideal option.
Those who’ve been diagnosed with hepatitis and have made a full recovery often won’t experience any loading to their life insurance premiums.
This means it can be possible to secure cover on standard terms.
As well as information regarding your hepatitis diagnosis, insurers will also need the following information to calculate your premiums:
If you’ve experienced long-term liver complications, or any other medical conditions, as a result of hepatitis you may experience increased premiums.
But rest assured it’s still possible to secure cost-effective cover that meets your needs.
By enlisting the help of a life insurance broker, we can help you to compare quotes from some of the UK’s leading providers, as well as specialist insurers.
We’ll take your personal circumstances into consideration and provide you with the most favourable quotes we can offer.
Simply get in touch to get your free and no-obligation quotes.
As with life insurance, those who’ve made a full recovery from hepatitis should have no problem taking out critical illness cover.
Critical illness cover provides an additional safety net of cover by allowing you to make an early claim and receive an early pay out in the event you’re diagnosed with a serious illness (listed within the policy).
For those who’ve developed liver problems as a result of hepatitis, it’s likely some exclusions will be written into your policy such as liver damage, liver failure and liver cancer.
At Reassured we can compare life insurance with critical illness cover to help you find the right policy at the right price.
No, typically, most insurers don’t include hepatitis in their list of critical illnesses. Although some may cover the condition in additional policy extras such as ‘serious illness cover’.
Serious illness cover works in a similar way to critical illness cover by providing additional protection but will often include fewer illnesses.
While hepatitis isn’t included in critical illness cover, some associated liver conditions (such as liver disease, liver cancer and liver failure) are often covered.
So, if you develop hepatitis during the term of your policy and develop one of the above conditions as a result, you may be able to make a claim for that illness.
If you have hepatitis at the point of application or prior to application, it’ll be treated as a pre-existing condition and there may be liver related exclusions added to your policy.
Ultimately, your ability to secure life cover after a hepatitis diagnosis will depend on:
The table below shows the different variations of hepatitis and the likely outcome when applying for life insurance:
|Type of hepatitis||Likely outcome|
|Hepatitis A||* Accepted on standard terms if fully recovered * Postponed application until full recovery is made|
|Hepatitis B||* Accepted on standard terms If fully recovered * Application postponed until full recovery is made * Accepted with loaded premiums if there is long lasting damage to liver|
|Hepatitis C||* Declined if hepatitis is as a result of drug use and still actively using drugs * Accepted with loaded premiums if hepatitis is as a result of drug use but drug use has ceased|
|Hepatitis D||* Accepted on standard terms if fully recovered * Application postponed until full recovery is made * Accepted with loaded premiums if there is long lasting liver damage|
|Hepatitis E||* Accepted on standard terms if fully recovered * Postponed until full recovery is made|
|Autoimmune hepatitis||* Accepted with loaded premiums * Accepted through specialist insurer * Declined due to severe liver damage|
|Alcoholic hepatitis||* Accepted with loaded premiums if you have ceased drinking and liver is showing signs of regeneration * Likely will be declined if still drinking heavily and liver damage is worsening|
While these are examples of likely outcomes, everyone will have different circumstances that will be taken into consideration at the point of application.
An independent broker, like Reassured, can take these circumstances into consideration and provide you with the details of the provider from our panel who is likely to offer the most favourable terms.
We can help you to save time and money and we’ll also be on hand to answer any questions you may have.
Hopefully, this article has helped you understand how a hepatitis diagnosis works when applying for life insurance.
Comparing quotes is essential as not all insurers will treat hepatitis in the same way and you may be able to secure more favourable terms with one insurer than another.
You could spend time doing the research yourself or you could let Reassured save you time and money by sourcing quotes from a panel of top UK insurers.
You’ll benefit from over ten years of industry experience and we can help you to decode any life insurance jargon you may not understand.
Our service is FCA-regulated and we don’t charge a fee for our quotes, so why not get in touch?
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