Life Insurance with Hepatitis C

Life Insurance

One of the primary routes of contracting Hepatitis C is by exposure to infected blood from another person, for instance, through needle-sharing during drug use, or sharing personal items like toothbrushes and razors. The virus can be transmitted from mother to unborn child and through unprotected sex, although it is not frequently observed.

Treatment for Hepatitis C involves medication that stops its spread within the body. These medications typically require a prolonged course of several weeks. Injection treatments are an option as well. Medications typically yield a 90% success rate. Nevertheless, nobody is completely immune to Hepatitis C, and there is always a chance of getting infected again.

Underwriters will ask for the following information for those seeking life insurance with a hepatitis C:

1. How long have you been living with the condition
2. Any medical treatment received
3. Medications taken
4. Your age
5. Your current health
6. The impact your condition has on your work and lifestyle

There are situations where an insurer may need to have a more in-depth discussion about certain aspects of your life insurance application, like recent blood test results. It is crucial to disclose any relevant information to your insurer as it may affect the type of coverage you receive, which can be tailored to meet your specific requirements:

• HIV diagnosis
• Heavy drinking
• Hemophiliacs with Hepatitis B or C
• Intravenous drug use

Insurers may cover individuals with Hepatitis C if they have fully recovered and do not have any permanent or severe liver damage. Variations in ratings and premiums for Hepatitis C life insurance are based on individual circumstances of each person.

Please contact us at NeedingAdvice.co.uk to assist with comparing the market and finding the insurer that best fits your needs.

Critical Illness

People with Hepatitis C who have recovered and have their symptoms under control, without any lasting damage to their liver, may be eligible for critical illness cover on standard terms.

The questions you’ll receive are likely to be similar to ones asked in a life insurance application. In certain instances where there is severe liver damage, a specialist insurer may be necessary for your requirements.

Income Protection

Individuals with Hepatitis C can potentially find suitable income protection coverage if their symptoms are managed and liver damage is minimal.

The insurer will need information about the medications you’ve used to manage your symptoms. It will also require information about any periods of time you have taken off work due to your condition.