Viral Hepatitis Life Insurance, Critical Illness Cover And Income Protection
The Insurance Surgery is a leading insurance specialist for people classed as high risk due to their pre-existing medical conditions or health which includes Viral Hepatitis life insurance, critical illness cover and income protection. For most people with a pre-existing medical condition to consider as part of their application it is important to ensure that you get the right advice from an experienced adviser who understands the market as well as your needs.
At The Insurance Surgery we have been helping people with medical issues to find cover such as Viral Hepatitis life insurance, critical illness cover and income protection since 1999. Our team of experts will help you to find the right cover to protect you and your loved ones as well as try to save you money on your premiums.
In this section of our website we look at how having Viral Hepatitis can affect your application for life insurance, critical illness cover and income protection based on your own circumstances. We try to explain how your answers on your application will impact your premiums in general as well as how we can help you to get the right cover to protect your family.
Types of Hepatitis:
- Hepatitis A
- Hepatitis B
- Hepatitis C
- Hepatitis D
- Hepatitis E
- Alcoholic Hepatitis
- Autoimmune Hepatitis
The range of different types of Hepatitis which will have a number of outcomes when it comes to applying for Viral Hepatitis life insurance, critical illness cover and income protection.
How Viral Hepatitis life insurance, critical illness cover and income protection works:
Your application for Viral Hepatitis life insurance, critical illness cover and income protection will be based on a number of factors which will determine how much you will pay for cover based on your underwriting decision from:
- Diagnosis age
- Type of Viral Hepatitis
- Severity of symptoms
- Medication
- Surgery or treatment
For more information or free advice to get a competitive quote for Viral Hepatitis life insurance, critical illness cover and income protection you should speak to one of our expert advisers today.
Viral Hepatitis life insurance
In most cases there may not be an issue getting this type of cover and there are a range of possible issues when applying for Viral Hepatitis life insurance depending on a number of key factors (see below). The main point for underwriters when assessing an application for Viral Hepatitis life insurance is whether you are still suffering from the condition or whether you have any ongoing damage to your liver. In some cases you may find that you could even be accepted at the insurers standard rates which is the same as for someone who does not suffer from a pre-existing medical condition if your symptoms are mild. You will generally find that you will need to provide copies of your medical records to help underwriters to assess your application accurately.
Premiums for Viral Hepatitis life insurance will depend on:
- How old were you when you were diagnosed
- Which type of Viral Hepatitis do you suffer from
- When did you last experience symptoms
- How severe are your symptoms
- What treatment have you had
It is possible to experience some difficulties when applying for Viral Hepatitis life insurance, especially in more severe cases or if there are ongoing issues so it is important to speak to an expert. You may also find that your premiums for Viral Hepatitis life insurance could increase depending on the levels of risks relating to your circumstances.
Viral Hepatitis critical illness cover
Again your application for Viral Hepatitis critical illness cover will very much depend on the type of condition and whether it is still present or not. In a lot of cases where symptoms have stopped and there are no ongoing issues you should find that you will be able to get a policy for Viral Hepatitis critical illness cover at the same rate as someone with no medical complications.
You should find that it is possible to get a Viral Hepatitis critical illness cover policy in place as long as your symptoms are not too severe.
Viral Hepatitis income protection
It may also be possible to get Viral Hepatitis income protection cover at the same rate as someone with no pre-existing medical issues. In a lot of instances there will not be a problem getting a policy for Viral Hepatitis income protection as long as you are no longer suffering from symptoms and have no ongoing issues. If your condition is chronic then you may find that there will be some exclusions to your policy or there may be a potential impact on your premiums.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
For more information about cover or to get a competitive quote for Viral Hepatitis life insurance, critical illness cover and income protection then you should contact one of our team of experts on 0800 083 2829.
Click the links below to find out more: