Hepatitis C life insurance
Life cover is available for people with hepatitis C and premiums can often be very affordable. If you’ve been diagnosed with hepatitis C and you need life insurance to protect your family then here’s how it works.
You could save time and money getting life insurance to protect your family simply by making the right decisions.
Hepatitis C is often a short-term or acute liver disease that is caused by the HCV virus. There is also a chance of developing long-term or chronic hepatitis C and that can lead to other medical problems, such as liver cancer.
According to a recently produced report by the UK government, approximately 118,000 people have chronic hepatitis C (HCV). Many of these people are within marginalised or underserved groups in society.
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Life insurance before hepatitis C
Some questions that you might ask about hepatitis C and life insurance before diagnosis.
Will life insurance payout for hepatitis C?
YES – if you die from contracting hepatitis C then you should be able to claim on your life insurance. When you have an existing policy in place and you contract an illness then that cover should pay a lump sum to your family.
You should check with your insurer if you have any questions about any existing cover that you already have.
Does critical illness cover payout for hepatitis C?
Generally, you won’t be able to claim for hepatitis C on a critical illness cover policy as it’s not considered to be a serious illness. Most insurers will pay out for certain conditions that are linked to hepatitis C, such as:
- Liver cancer
- Cirrhosis of the liver
- Liver failure
- Liver damage
Some of these conditions will be covered under most critical illness cover policies. You should check to make sure that any existing policy is appropriate.
Life insurance after hepatitis C
If you’ve already had hepatitis C or if you’ve been diagnosed then there are a number of things to consider.
Can you get life insurance with hepatitis C?
YES – if you’ve had hepatitis C in the past and you’re now fully recovered, then you should be able to get cover instantly. Life insurance after hepatitis C can be cheaper than you might think, especially if you’ve got no long-lasting problems.
If you need life cover to protect your family and you’ve had hepatitis C in the past then you should have a number of options.
Insurance companies all have their own underwriting guidelines when it comes to medical conditions, such as hepatitis C. You could save time and money simply by applying to the right insurer.
Common questions you might be asked when applying for life insurance with hepatitis C
- What was the type or cause of your hepatitis?
- Have you ever been diagnosed with Cirrhosis of the liver or chronic pancreatitis?
- Have you ever received or are you currently receiving any treatment?
- When did you stop taking medication?
- When were you first diagnosed?
When you answer these questions, you should be as open and honest as possible. It’s not a major issue if you don’t have some of the answers, you can usually get this information from your doctor.
Will I need a medical for hepatitis C life insurance?
Generally, you should be able to get life cover after hepatitis C is cured with no need for a medical. It is common for any applications with previous medical problems like this, to not need a medical.
If you are asked for a medical or if you are asked to provide your medical records, don’t worry as this is totally normal.
Some insurance companies may request further medical information from you that can be:
- Medical report: it is normal for insurance companies to request to review your medical records from your GP. This can also mean that you pay less because your application will be fully underwritten and terms will be guaranteed.
- Nurse screening: some insurers may ask you to have a nurse visit which is to test for certain things such as, blood tests, height & weight, smoking tests, etc.
Best life insurance for hepatitis C
There are a few different types of life insurance policies that provide cover for various problems that may occur. Most commonly people associate life insurance with death, which is the most common, however, there are other things to consider.
Hepatitis C term life insurance (family protection) is the most common type of life cover and the most versatile. This will be the easiest policy to get with hepatitis C as long as you aren’t awaiting any treatment and ideally will have fully recovered.
There are several options and lots of different insurers so you should have plenty of options to get the best cover at a fair price.
Hepatitis C decreasing life insurance (mortgage protection) is the same type of cover as family protection, apart from that the cover amount reduces over time. This type of policy is specifically designed to protect a repayment (capital and interest) mortgage so the amount of cover reduces roughly at the same rate as your mortgage balance.
Hepatitis C critical illness cover is often possible and usually can be relatively cheap, especially when you’ve fully recovered. If you want to protect yourself financially if you get diagnosed with conditions like cancer, stroke, heart attack, HIV, and MS, then this could be for you.
Hepatitis C income protection is a very popular policy for people who are working and concerned about the loss of earnings due to accidents or sickness. There are many different options with this type of cover such as short-term or long-term, and deferred periods.
Hepatitis C whole of life insurance is another type of life cover that provides a guaranteed payout when you die. As long as you continue to pay your premiums over the term then you’ll be covered when you die. Premiums for this type of policy tend to be higher because of the fact that payment is guaranteed.
Hepatitis C family income benefit is also a type of life insurance that can provide you with a more affordable alternative. If you want to protect your family and provide them with an income if you die, then this could be the cover for you.
Medical conditions linked to hepatitis C
There are several common conditions that are linked to hepatitis C (HCV) because of the fact that they can occur if not treated properly.
- Liver damage
- Liver failure
- Cancer of the liver
Common questions about hepatitis C
Here are some of the most common questions that people ask about hepatitis C or what you might want to know.
What causes hepatitis C?
The hepatitis C virus (HCV) is a liver infection that spreads through blood contact with someone infected. The most common reason for transmission of the virus is sharing needles from injecting drugs.
What is worse hepatitis B or C?
Hepatitis C is the most commonly talked about because of the levels of research and funding. Hepatitis B is more common among people in the UK and is the cause of more liver-related cancer, and mortality globally than hepatitis C. Both hepatitis C and B combined is the cause of roughly 80% of liver cancers around the world.
How long can you live after being diagnosed with hepatitis C?
Usually, people who have been diagnosed with hepatitis C can live a long and healthy life. The range can vary quite dramatically, and the average life expectancy is approximately 15 years less than normal. Life expectancy will depend on the levels of liver damage caused.
Useful resources for hepatitis C
Here are some links and resources that you might find useful for more information about hepatitis C
NHS Choices – hepatitis C overview
NHS Choices – hepatitis C symptoms
Hepatitis C Trust – charity
The British Liver Trust – Hepatitis C
Terrence Higgins Trust – Hepatitis C