Hepatitis Life Insurance
Facts about Hepatitis Life Insurance
Have you been infected with hepatitis? Whether that be hepatitis A, B, C or E, our variety of hepatitis life insurance policies can support you by protecting your priorities.
Our top life insurance companies have suitable policies for general hepatitis life insurance cover, to income protection, critical illness cover and travel insurance – All taking your personal circumstances into consideration by offering affordable yet high quality cover.
To find out further information regarding our hepatitis life insurance policies, or to progress your application, contact our team today on 01244 732 890.
How much does hepatitis life insurance cost?
When applying for hepatitis life insurance, whichever type of viral hepatitis you have, insurance providers will request a full diagnosis, including any lasting symptoms. This will include a full overview of your medical history and may result in a liver biopsy depending on your selected provider.
If you’ve fully recovered from your hepatitis diagnosis with little inflammation of the liver or complications such as liver disease, life insurance will be offered under standard terms. However, if you’ve been diagnosed with chronic hepatitis where symptoms are present, and treatment is required, hepatitis life insurance will be offered with a greater level of premiums.
Contact our team today to progress your hepatitis life insurance policy 01244 732 890.
Your premiums for hepatitis life insurance will depend on:
- The severity of your hepatitis diagnosis, including any related medical conditions such as liver failure.
- Your medical history.
- The type of insurance product you’re looking for – (Income protection, critical illness cover, travel insurance).
- The term of your hepatitis life insurance policy.
Percentage (%) loading for hepatitis life insurance
When applying for hepatitis life insurance, life insurance companies may add percentage loadings to your premiums. This will be calculated based on your current health, and if symptoms continue, an additional percentage may be added. Be aware that percentages vary and will depend on the insurance provider you select to progress your hepatitis life insurance application with.
Per mille loadings for hepatitis life insurance
An additional outcome you may experience when applying for hepatitis life insurance is ‘per mille loading’. This is where additional costs may be added to your premiums based on the amount of cover you apply for.
To discuss how loadings may affect your premiums when applying for hepatitis life insurance, contact our team today on 01244 732 890.
When applying for hepatitis life insurance, critical illness cover, income protection or travel insurance, you may also experience the addition of ‘exclusions’. Exclusions are conditions which are linked to or caused by your viral hepatitis diagnosis and may be excluded from your hepatitis life insurance cover. This will however depend on your selected providers underwritten guidelines.
When applying for hepatitis life insurance, critical illness cover, income protection or travel insurance, it is difficult to give people with hepatitis a clear recommendation without receiving their medical history. Once providers have understood your diagnosis greater, including your personal requirements such as budget, they will offer a recommendation. In the meantime, here are some factors to consider prior to applying for each policy:
When applying for hepatitis life insurance, the underwritten guidelines are straightforward. Providers will request a full medical record including your hepatitis type and ongoing symptoms to gauge the amount of cover required. If you’ve fully recovered and no longer experience symptoms related to hepatitis, life insurance will be offered under standard rates. However, if your symptoms are present and there is lasting damage to your liver, cover will be offered with increased premiums.
Here are some areas to consider prior to applying for hepatitis life insurance:
- Mortgage amount (£’s)
- Outstanding debt (e.g. Loans, second charge, credit cards and other)
- Spouse or Partner
- Income (after Tax)
- Assets (e.g. car, house, business etc.)
When applying for critical illness cover, there are similar guidelines present to life insurance applications. If you’re fully recovered from hepatitis with no lasting damage such as liver disease, critical illness cover will be offered under standard terms. If you still have hepatitis, experience symptoms of or have related medical conditions, cover will be offered under non-standard premiums.
Insurance providers will also request details on how your hepatitis was caught. If your hepatitis was contracted using drugs, further premium loadings will be added to your policy. Prior to applying for critical illness cover, here are some factors to think about when concerning cover amounts:
- Income (after Tax)
- Mortgage payments (annual)
- Cost of living (annual)
- Any other possible costs (e.g. medical treatment or adaptations)
When applying for income protection, cover for those who have fully recovered from hepatitis will be offered under standard terms. However, this is dependent on whether you have any lasting damage linked to your liver. If you still have hepatitis symptoms, short-term income protection cover may be an option for you. To discuss your situation and progress the most suitable income protection policy for you, contact our team today!
If you are eligible, here are some factors to consider when applying for income protection cover:
- Monthly income (after tax)
- Mortgage/rent payments
- Debts (other)
- Cost of living
If you’re planning to travel abroad, we recommend contacting our expert team today! Depending on the type of hepatitis you have, along with current symptoms, the most suitable policy will be offered to you. More than likely travel insurance for those with pre-existing medical conditions will be offered, however we advise discussing your circumstances prior to committing. Contact us today on 01244 732 890 to progress your travel insurance cover.
Purchasing your hepatitis life insurance policy with Iam Insured
If you’ve been infected with hepatitis and feel concerned on your likelihood of obtaining reliable life insurance, discuss your matters with our Iam Insured team today!
We will run through all suitable policies, including hepatitis life insurance, critical illness cover, income protection and travel insurance. We assure you that our policies are affordable and ideal for those living with hepatitis.
Our database of top insurance providers do their upmost to offer support through hepatitis life insurance cover in times of need – Contact us today to run through your requirements and receive the protection you deserve. 01244 732 890
Our team of insurance experts will help you to get some of the best deals from the UK’s top companies to save you money.
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