Do you have hepatitis in your medical history? Are you trying to find life insurance? With iLL, you can quickly and easily secure life insurance cover that suits your needs using a simple comparison tool. iLL helps people with impairments to find suitable policies that bring peace of mind, knowing that their future is protected. We place your details before a network of approved impaired insurance specialists. Fill in one of our online forms to find the right hepatitis life insurance cover today.
Hepatitis causes inflammation and infection of the liver. The most common reason for the condition occurring is a virus. There are five different strains of hepatitis virus – A, B, C, D and E. Hepatitis can also be caused by alcohol damage to the liver through drinking too excessively. If treated successfully and in good time, the condition normally passes and a sufferer makes a full recovery. The illness can however have long-term effects, such as scarring of the liver, losing effective function of the liver, and in extreme cases, cancer of the liver.
Common symptoms of hepatitis include a raised temperature, nausea, muscular pain, tiredness, general fever, a disinterest in food, discoloured faeces, stomach pain, itching skin and jaundice. It can sometimes take a while for a person to realise that they have hepatitis, as it is commonly mistaken for other conditions and is usually determined via a blood test. If hepatitis goes untreated, the sufferer is at risk of liver failure.
Many insurers offer cover for people with hepatitis, because many people successfully recover from the condition with no health complications. If you have recovered from hepatitis with no consequent liver failure or damage, you are likely to be accepted on standard terms.
The insurance market can be confusing, and if you have an impairment, you may be wondering where you can be accepted for cover with affordable premiums. Generally speaking, many insurers will accept applications for hepatitis life insurance, although some companies may exercise caution when considering an application if a person's symptoms are severe or if they have suffered from liver complications. All insurers have to underwrite applications they receive from customers looking for hepatitis life insurance, and need to manage their level of risk. If you have suffered from severe liver failure as a result of hepatitis, you may find it more challenging to secure cover from an insurer. Using iLL's comparison tool, you can search the market to find the right insurer that covers your needs.
If you have previously suffered from hepatitis but have since recovered and have had no severe complications or liver damage, you might be eligible for life insurance cover at standard rates. An insurer will ask for further details about your hepatitis, such as when and where you were first diagnosed, the severity of your hepatitis, the medications you were given and treatment you undertook following diagnosis, and whether or not you contracted hepatitis through drug use. If you contracted hepatitis due to needle and drug use and/or have had severe complications with your liver as a result of the condition, you may be offered cover with higher premiums or even declined cover.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you experienced severe health complications as a result of hepatitis, need strong medications to control your symptoms and there is a greater likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find an affordable policy. Getting your quote is quick and simple.
Get your Hepatitis life insurance quote
iLL works with many of the UK's leading hepatitis life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one hepatitis life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:
Get your Hepatitis life insurance quote
If you have hepatitis, depending on your circumstances and unless you have suffered major health complications such as liver failure, you should be offered critical illness cover on standard terms. You will need to demonstrate to an insurer that you are back to full health with no complications linked to your previous hepatitis diagnosis. As with life insurance, if your hepatitis was as a result of drug and needle use, your application is likely to be declined, or you may face higher premiums. An insurer may also want further details of when and where you caught the hepatitis virus.
With iLL's policy comparison service, you can quickly and easily find the right insurance cover for your health needs. Just fill in our simple form to get matched with a quote from the right approved and vetted insurer today. iLL takes the time and hassle out of trying to search the market and find the right insurer.
iLL aims to make the buying of hepatitis life insurance as straightforward as possible. To find the right life insurance policy for you and your family, enter your details into one of our 30-second forms to be referred to our specialist impaired life insurance partners. Our free service can help you find the best cover with the right insurer for your circumstances.