If you suffer from hepatitis, at iLL we can help to secure life insurance cover that suits your needs. Our comparison service helps people with impairments to find cover that protects them and their families. We work with a network of approved impaired insurance specialists. Just enter your details into one of our online forms to find the right hepatitis life insurance cover that works for you.
Hepatitis is a condition in which the liver becomes inflamed. It can occur as a result of a virus (there are five different types of hepatitis virus – A, B, C, D and E), or by excessive drinking and alcohol damage to the liver. Usually, the condition passes in time following treatment. 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.
Symptoms of hepatitis include muscular pain, fever and high temperature, nausea, fatigue, loss of appetite, discoloured faeces, stomach cramps, itching skin and jaundice. It can sometimes take a while for a person to realise that they have hepatitis. If hepatitis continues into the long-term, sufferers are likely to experience symptoms associated with liver failure.
Many insurers offer cover for people with hepatitis. This does however depend on the severity of your condition and whether symptoms have passed. If you have recovered from hepatitis with no consequent liver failure or damage, you are likely to be accepted on standard terms.
With so many insurers and policies to choose from, it can be difficult to know where to find the right life insurance cover for your needs, especially if you have a medical condition like hepatitis. While many insurers will accept applications for hepatitis life insurance, some companies may exercise caution when considering an application. 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 severe liver failure as a result of hepatitis, you may find it more challenging to secure cover from an insurer. With our comparison service, at iLL we can help you find the right insurer that covers your needs.
If you have suffered from hepatitis but are now recovered and have had no severe complications or liver damage, you might be eligible for life insurance cover at standard rates. This will however depend on 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. These factors will determine the level of risk you pose to an insurer. If you have contracted hepatitis due to 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.
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 your condition is severe, you are not taking medications to control your symptoms and there is a great 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 the best deal so that all of your insurance requirements are met. It's quick and easy to get your quote.
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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 had major health complications as a result of your condition (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 now recovered and that your hepatitis no longer affects your day to day activities or health. As with life insurance, if your hepatitis was as a result of drug use, your application is likely to be declined, or you may face higher premiums. An insurer may want to see medical records from your GP.
With iLL's policy comparison service, you can always find the right 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, helping people find the best price and insurer for their circumstances. 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 most comprehensive cover at the best price.