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Hepatitis B life insurance

People who are diagnosed with hepatitis B still have the same need for life insurance to protect their families. Life cover can seem difficult with medical conditions but sometimes even more important for any parent or partner.

By making the right decision now, you could save money and time getting the best life insurance with hepatitis B.

People with chronic hepatitis B can live a very long and healthy life.

According to statistics from National Institute for Clinical Excellence (NICE), approximately 0.3% of the UK population (180,000 people) has chronic hepatitis B. The main health risk for someone with this condition is of developing liver problems, including cirrhosis and liver cancer.

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YES – you should be able to get life insurance cover in most cases, even with hepatitis B.

If you have chronic hepatitis B and you need life cover, then you will probably be asked to provide medical evidence. This is a normal part of the application process so do not worry. This doesn’t mean that life cover will not be accessible.

If you are asked to provide your GP details then that’s a standard process for an insurer to get your medical information. You have the option to view your medical records before they go to the insurer, however, this can add time on to your application.

You won’t need to do anything in this case because your report will go directly to the insurer and they will pay for it. Your GP report will then be reviewed by a medical underwriter who will assess your application.

More about LIFE INSURANCE

Does life insurance pay out for hepatitis B?

YES – life insurance should pay out for people with hepatitis B. Providing you have put cover in place before you become seriously ill or pass away, you should usually qualify for a life insurance pay out.

As hepatitis B will be classed as a pre-existing condition you will need to declare this at the point of taking out cover.

Will critical illness cover pay out for hepatitis B?

Hepatitis B critical illness cover can be available, especially where you have fully recovered. This is something that can be down to the insurer and might be limited to certain conditions, depending on your symptoms and severity.

If you do not already have hepatitis B and develop this, you may be able to claim on a critical illness policy you already have in place.

If hepatitis is a pre-existing condition, you will not be able to claim for this. You will however be able to claim for other unrelated illnesses and this can be extremely beneficial to provide additional financial support.

Critical illness cover can be very useful, allowing you the peace of mind to recover at your own pace – with financial support in place in the meantime.

How does life insurance work with hepatitis B?

When taking out life cover with a pre-existing condition such as hepatitis B, there will be additional factors insurers will consider. As with any policy they will need information regarding your general health and lifestyle but will also ask questions directly related to your hepatitis.

If you’ve had hepatitis B and now fully recovered, then you shouldn’t need a medical or any GP report. In these cases where someone has had Hepatitis B and needs life insurance, it should be a quick and fairly simple process.

Can I get life insurance with hepatitis B?

YES –  in most cases it is possible to get life cover to protect your family with hepatitis B, and often at affordable prices. The most important part about applying for life insurance with this type of medical condition is paying a fair price and getting the best cover.

If you’re looking for financial protection for your children or family, then you just need to know what options you have.

Each of the main insurance brands has its own philosophy about hepatitis B so you just need to find out which is best for you. Ultimately you could save money and time by making the right choice, as well as speaking to an expert.

How much is life insurance with hepatitis B?

The rate that you will pay for life cover will be based on your health, lifestyle, and the cover you need. There are several things to consider when you apply for life insurance which can make it more affordable if premiums are too high.

Life cover rates for someone with hepatitis B or a history of hepatitis can vary dramatically depending on which insurer you approach. Having a good adviser or spending some time doing your research can save you a lot of money.

Best life insurance for hepatitis B

You can choose from several different types of life cover which are designed for different things. The best way to choose is to think about what’s most important to you, what you want to cover against, and how much you want to spend.

Hepatitis B term life insurance (family protection) is the most common type of life insurance because of what it covers and how simple it is. You should be able to get a family protection policy with Hepatitis B or if you’ve got chronic hepatitis B, depending on your symptoms.

Most insurers would consider an application for hepatitis B where you are fully recovered, or no longer receiving treatment. If you’ve got chronic hepatitis B then you might find that cover can be available, but your choice of insurers might be smaller.

Hepatitis B decreasing life insurance (mortgage protection) is the same as family life insurance, but cheaper because the cover amount reduces. This is specifically designed to protect a repayment mortgage and will usually be available to you.

Best life insurance companies for hepatitis B

Some insurers will provide you with better rates when you disclose certain medical conditions, including hepatitis. You will have plenty of options, especially if you don’t have chronic hepatitis.

Also, there are regular changes to underwriting so some insurers will view medical conditions differently over time.

Life insurance questions about hepatitis B

Below we have several common questions that insurers may ask before providing cover to a person with hepatitis B:

  • Have you ever had a positive test for HIV, AIDS, Hepatitis B, or C?
  • What was the type of hepatitis?
  • Have you ever been diagnosed with cirrhosis of the liver or pancreatitis?
  • Have you been told that you have chronic hepatitis?
  • When were you first diagnosed with hepatitis?
  • Have you received, or are you currently receiving treatment?
  • When did you stop taking treatment?

Medical conditions linked with Hepatitis B

Often, other complications are linked to hepatitis B and chronic hepatitis B, including:

Common questions about hepatitis B

Here are some of the most common questions that people ask about hepatitis B.

What causes Hepatitis B?  It is a viral infection that is caused by the hepatitis B virus (HBV), and it is known as a vaccine-preventable liver infection.

The virus is spread by the passing of blood, semen, or other bodily fluids from an infected person, to someone not infected. Whether it is acute or chronic will be detected during a blood test.  
Can you cure Hepatitis B?Currently, there is no known cure for hepatitis B, however, it does usually go away by itself after 4 to 8 weeks. According to statistics, approximately 90% of adults will totally recover from hepatitis B.

Unfortunately, 1 in 20 adults will develop chronic hepatitis B and will become what is known as a ‘carrier’.  
What is the survival rate for Hepatitis B?  There are several different types of hepatitis so life expectancy can vary depending on your diagnosis.

The 5-year survival rate for people with chronic persistent hepatitis is around 97%, chronic active hepatitis is 86%, and someone who has cirrhosis can be as low as 55% with chronic active hepatitis.  

More information – Average life expectancy UK
What are the main symptoms of acute Hepatitis B?  There are several common symptoms which include:
 
High temperature
Fatigue or tiredness
Sickness or nausea
Dark coloured urine
Abdominal pain  

Every person has an equal right to excellent cover to protect their families, regardless of medical history. Our team have over 20 years of experience of finding great life cover for those with pre-existing medical conditions.

Useful resources

Below we have linked some useful resources about hepatitis B:

World Health Organisation (WHO) – Hepatitis B

NHS – Hepatitis B

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