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Hepatitis B Life Insurance

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Hepatitis B Life Insurance, Critical Illness Cover and Income Protection

Our team of insurance experts specialises in working with people living with or who have suffered from pre-existing medical conditions such as Hepatitis B life insurance, critical illness cover and income protection. We know from our many years of experience that it can be difficult to get cover for people who have suffered from a medical including Hepatitis B for life insurance, critical illness cover or income protection because of the potential additional risks relating to your condition. Underwriters will review your application based on your medical history and existing health to assess the levels of risk for your individual circumstances which can vary dramatically from one insurer to another.

The Insurance Surgery has been working with and helping people to find non-standard insurance terms such as people with Hepatitis B looking for life insurance, critical illness cover or income protection. Our advisers have worked with a vast number of medical conditions, occupations or extreme sports which includes Hepatitis B life insurance, critical illness cover and income protection to help you to get the cover you need to save money as well as get the cover you need to protect your family.

How Hepatitis B life insurance, critical illness cover and income protection works:

You can often get cover for Hepatitis B life insurance, critical illness cover and income protection which can be based on a range of different factors such as:

  • How you contracted the virus
  • Any liver damage
  • Have you recovered from Hepatitis B
  • Medication / treatment
  • Any other medical or health problems

For more information about or quote for Hepatitis B life insurance, critical illness cover or income protection you should contact our team of advisers. We aim to help people like you to find the right cover to protect your family, home or business and to help to save you money on your cover.

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Hepatitis B life insurance

Usually there is a good chance that you can get Hepatitis B life insurance and especially where you have fully recovered from the virus with no long lasting damage to your liver. Insurance underwriters will want to know more information about your medical history, your general health and your Hepatitis B such as where or why you contracted the virus.

If you are looking for Hepatitis B life insurance and you contracted the virus from drug use or sharing needles then you will find it more difficult to get cover. If you are still a drug user (except for Marijuana) and need Hepatitis B life insurance then it is unlikely that you will be able to get cover.

Some of the main factors which will be taken in to account when underwriters are reviewing an application for Hepatitis B life insurance include:

  • When did you have Hepatitis B and how did you contract the virus
  • Was your Hepatitis B drug related
  • Have you got any long lasting damage to your liver
  • Do you still have Hepatitis B
  • Have you got any other health or medical problems

For more information, advice or a quote for Hepatitis B life insurance you can contact one of our expert advisers who will be able to tell you which cover is available to you and give you an idea of cost.

 

Hepatitis B critical illness cover

It is also possible to get Hepatitis B critical illness cover from standard rates where the virus has been treated with no long lasting damage to your liver. Rates and terms for Hepatitis B critical illness cover can vary depending on how you contracted the virus (e.g. drug use) and whether you still have the Hepatitis virus. You may find in certain circumstances that if the virus was contracted from drug use or if there is longer lasting damage to the liver then cover may be accepted on special terms.

For anyone who is still outstanding treatment or investigations as well as people who still have the virus you may find that Hepatitis B critical illness cover will either be postponed pending results or could potentially be declined by high street providers. There are certain specialist insurance products and providers who may be able to offer Hepatitis B critical illness cover if the condition is not accepted by mainstream companies.

 

Hepatitis B income protection

Income protection for Hepatitis B should also be available from most mainstream or high street insurers and can be obtained with no loadings or special terms. If you are still classed as having the virus or is you contracted the virus from the use of drugs then you may find that Hepatitis B income protection will be slightly more difficult to get. Possible outcomes if you were a drug user and contracted Hepatitis B for income protection are you could be accepted with special terms imposed such as exlcusions or you could be declined cover.

 


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For more information, advice or a quote for Hepatitis B life insurance, critical illness cover and income protection then you should get in touch with The Insurance Surgery who are here to help.

 

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