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 A (HAV)
- Hepatitis B (HBV)
- Hepatitis C (HCV)
- Hepatitis D (HDV)
- Hepatitis E (HEV)
- Autoimmune hepatitis
- Alcoholic hepatitis
Hepatitis can either be:
- Acute (short term illness ranging from a few weeks until 6 months)
- Chronic (when this infection lasts for 6 months or longer)
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 the insurer who’ll offer you the most favourable terms.
We also have a specialist impaired life insurance team who’ve helped secure cover for 45% of applicants declined elsewhere, so you’re in good hands.
Why not get in touch for your fee-free and no-obligation quotes?