Life Insurance
It is recognized that a diagnosis of hepatitis can often be unexpected or bring about emotional reactions. Our experienced advisers will do their best to find something that suits your needs.
To assist with finding the appropriate policy, we require some essential information. The following are:
- At what point did you receive a hepatitis diagnosis?
- Which type of hepatitis did the doctor diagnose you with?
- What treatments were required by you?
- Is there any ongoing liver damage?
Life insurance for individuals with a previous history of hepatitis can be straightforward as long as they have completely healed from the illness and there are no persistent liver issues. If this is true and no other disclosures are present on your application, it is probable that your policy will be accepted under standard terms immediately.
Insurers will seek to assess the impact of the condition on your health for those with hepatitis or chronic hepatitis. It is important to provide details about any additional health conditions you may have to the insurer for them to understand your complete health status. In these situations, the insurance offer you receive may come with a higher premium due to the increased risk of hepatitis.
Critical Illness
Critical illness cover should be easy to arrange for individuals who have previously had hepatitis, as long as they have fully recovered and there are no long-term liver issues. Insurers typically provide critical illness cover at normal terms for hepatitis, given that it’s usually an acute condition leading to lifelong resistance after full recovery. Please review the conditions listed below to understand how insurers perceive hepatitis.
Individuals with acute or chronic hepatitis must secure critical illness cover through a specialized insurance provider.
Income Protection
The process of applying for income protection after having hepatitis should be quite simple. Income protection is usually available at standard terms if you have fully recovered with no lasting liver implications.
Individuals with hepatitis must apply for short-term income protection policies. Although you may qualify for this policy, the insurer will assess your coverage individually. They will be interested to know if the hepatitis has resulted in any missed work days. Any income protection offer you receive will have an exclusion for claims related to hepatitis.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
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