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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How to get life insurance with Hepatitis B
Some of the best ways to get life cover with this condition and some of the most common questions that we get asked.
Can you 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.
When you apply for life insurance with a pre-existing medical condition, you’ll be asked about it.
Common questions about 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?
You should make sure that you answer any questions as honestly as you can and to the best of your knowledge.
Will I need a medical for Hepatitis B life insurance?
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.
Hepatitis B carrier life insurance
If you have chronic Hepatitis B and you need life cover, then you will probably be asked to provide medical evidence. This is completely normal and doesn’t mean that you won’t be able to get life cover.
If you are asked to provide your GP details then that’s a standard process for an insurer to get your medical records. 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.
The benefit of this is that there will be no question about your cover and any claim should be guaranteed.
Is Hepatitis B a pre-existing medical condition for life insurance?
YES – if you’ve got chronic Hepatitis B then you’ll need to declare that as an ongoing condition. This is something that you’ll need to declare under the viral infections section which includes HIV, AIDS, and hepatitis.
Otherwise, if you’ve previously had Hepatitis B and fully recovered, then you’ll still need to disclose this.
Does Hepatitis B affect life insurance rates?
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.
Some insurers are far more lenient when it comes to underwriting life insurance with Hepatitis B. The best way to find out which insurer is best for you is to speak to an expert with the right experience and expertise.
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.
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.
Hepatitis B critical illness cover can also 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.
Hepatitis B income protection is also usually available where someone has fully recovered, with no liver damage. If there are issues that have affected your liver then you still might be able to get this type of cover, depending on severity.
Medical conditions linked with Hepatitis B
Often, other complications are linked to Hepatitis B and chronic Hepatitis B, including:
- Liver disease
- Liver failure
- Cirrhosis of the liver
- Liver cancer
- Drug abuse
- Kidney disease
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.
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.
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
For more information about Hepatitis B and life insurance, you can give us a call.