Hepatitis B life insurance

If you’re looking for life insurance cover and have suffered from hepatitis B in the past, iLi can help you to locate an affordable policy with a reputable and compassionate insurer. Our comparison service helps people with all types of medical impairments to find cover that protects them and their loved ones. We place your application before a network of approved impaired insurance specialists, so that you can select the one that’s right for you.

About hepatitis B

Hepatitis B is a liver infection that is spread through bodily fluids. Hepatitis B doesn’t typically cause many symptoms, but if left untreated, it can lead to liver damage. Those who inject drugs, who live in high-risk countries, and those who have unprotected sex are at most risk of contracting hepatitis B.

When a person first has hepatitis B, it can be difficult to realise that they have it. Some common symptoms include loss of appetite, fatigue, stomach pain, diarrhoea, vomiting and nausea. Some people don’t realise that they have a liver-related condition until they notice their skin turning yellow (jaundice). If a person is exposed to the hepatitis B virus, they should seek emergency treatment to prevent becoming infected with it. If the infection develops over six months and is left untreated, this can lead to acute hepatitis B, which can lead to liver damage. Chronic hepatitis B usually requires life-long treatment.

Hepatitis B is typically spread through bodily fluids such as blood, semen and vaginal fluids. A person can contract hepatitis B through activities such as sharing drug needles, having unprotected sex with an infected person, or having a tattoo or body piercing with unsterilised equipment.

Many insurers offer cover for people with hepatitis B. This does however depend on the severity of your condition and whether symptoms have passed. If you have recovered from hepatitis B with no consequent liver failure or damage, you are likely to be accepted on standard terms.

Finding the right insurer for hepatitis B life insurance

If you have a medical condition like hepatitis B, you may be trying to find life insurance that gives you and your loved ones total peace of mind about the future. Many insurers will accept applications for hepatitis B life insurance, but some companies may exercise caution when considering an application. All insurers have to underwrite applications they receive from customers looking for hepatitis B life insurance, and need to manage their level of risk. If you have been diagnosed with acute or chronic hepatitis B, and have suffered from liver damage or failure as a result, you may find it more challenging to secure cover from an insurer. With our comparison service, iLi can help you find the right insurer and policy for your situation.

How much do hepatitis B life insurance premiums cost?

If you have previously been diagnosed with hepatitis B but have now recovered with 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 B, the medications you were given and treatment you undertook following diagnosis, and whether or not you contracted hepatitis B through drug use. These factors will determine the level of risk you pose to an insurer. If you have contracted hepatitis B because of drug use and have experienced 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 iLi, 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.

Companies offering hepatitis B life insurance

iLi works with many of the UK’s leading hepatitis B life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one hepatitis B life insurance broker and choose one that is right for your needs. 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:

– Life insurance cover that is unique to your needs and situation
– Substantial cover to ensure that your family and property are protected
– An understanding insurer that will accept your application

Further cover for hepatitis B life insurance

Critical illness cover for hepatitis B sufferers

Unless you have had major health complications such as liver failure, you should be offered critical illness cover on standard terms if you have a medical history of hepatitis B. An insurer will want to know whether or not you are completely recovered, and may require further details of whether your hepatitis B affects your day to day activities or health. Many insurers deal with critical illness applications in the same way that they do for life insurance. Note that if your hepatitis B was as a result of drug use, your application is likely to be declined, or you may face higher premiums for cover.

Find the right cover for your health needs with iLi’s quick comparison service. Start your search and fill in our simple form to get matched with a quote from the right approved and vetted insurer today.

More information

For further details about hepatitis B, visit the following links:
Terrance Higgins Trust
NHS Inform
Or visit one of our Impaired Life Leads dedicated websites.

If you’re looking for hepatitis B life insurance, let iLi do the hard work and comparing of policies for you. Simply 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 policy at an affordable price.

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