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. We understand that there are many ways that this condition can be contracted. It can be transmitted from mother to baby at birth and can be spread via unprotected sex. We will help you find insurance no matter how you came to have the virus but some methods of contraction may lead to higher premiums than others.

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.

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.