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Hepatitis Life Insurance

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Hepatitis Life Insurance

Hepatitis Life Insurance

How Does Hepatitis Life Insurance Work?

There are several major factors which will be taken into account by underwriters when assessing a Hepatitis Life Insurance application, such as:

  • Type of Hepatitis (i.e. Hepatitis A, B, C, D etc.)
  • Severity of symptoms
  • Age diagnosed
  • Treatment / Medication
  • Related conditions / factors (i.e. HIV, Pancreatitis, Drug Usage etc.)
  • Blood results

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The Insurance Surgery is a leading life insurance expert for people living with pre-existing medical conditions such as Hepatitis so call us to speak to one of our expert team of advisors.

Case Studies

  • Client: Female
  • Age: 44
  • Smoker status: Non-smoker
  • Medical condition: HIV
  • Cover date: 20th August 2019
  • Product type: Decreasing term insurance
  • Cover amount: £432,000
  • Cover term: 20 years
  • Premium: £37.49

We were approached on the 2nd of May 2019 when the customer completed an enquiry on our website for life insurance. Our protection advisor then contacted the lady to discuss her life insurance needs and her pre-existing medical conditions. 

At this point the customer explained that she was looking for £432,000 of cover over a 20-year period to cover her mortgage. Due to the fact that she was looking to cover a mortgage, our protection advisor advised that she should have a decreasing policy as they are designed to cover mortgages, and tend to have cheaper premiums.

The customer then disclosed that she has been diagnosed with HIV in 2012 with an undetectable viral load. Due to the fact that HIV can be a potentially high-risk medical condition, the insurers require a GP report for the customer. This usually takes between 4 and 12 weeks to complete. During this waiting period, the customer had some medical appointments which also delayed her application.

 However despite this, our protection advisor managed to secure the lady £432,000 of decreasing life cover over a 20-year period to cover her mortgage for a monthly premium of £37.49.

This is an amazing result as HIV can be a tricky condition to find cover for due to the potential risks associated with it. Until fairly recently, HIV cover was either very expensive or impossible to achieve. With that in mind, this is a great result for the customer.

  • Client: Male
  • Age: 46
  • Smoker status: non-smoker
  • Medical Condition: HIV
  • Cover date: 17th April 2019
  • Product type: Decreasing Term Assurance
  • Cover amount: £315,000
  • Cover term: 20 years
  • Premium: £45.80

We were approached by this gentleman on the 4th January 2019 when he completed our online enquiry form. Our advisor Sam then rang him to discuss his insurance needs and his pre-existing medical conditions. At this point he explained that he was HIV positive and was looking for HIV life insurance.

He was diagnosed in 2010, however his viral load had been undetectable since 2012. He also had a CD4 count of 844 and had been on HAART treatment since diagnosis. As well as this, he had no history of either hepatitis B or C and has had no drug use. This can be important to insurers as HIV is, or was, quite commonly spread through sharing needles.

Originally, he was looking for around £315,000 for a 25-year period to cover his mortgage, however generally the maximum term available for cover for this medical condition is 20-years, which the client was happy with. We got him the cover that he needed with one of our mainstream providers on the 17th April 2019.

There is quite a big gap between his initial enquiry and his final cover date. This is simply due to the nature of his condition, and the fact that the insurer needed information from the client’s GP or Consultant. This can take a while to be returned to the insurer to allow them to underwrite the case.

Overall, both us and the client were pleased that we were able to secure him the cover that he deserved and needed. Unfortunately we could not secure the initial term that he wanted due to the insurers restrictions on HIV Life Cover but we were able to work out a solution the client was happy with and get him the protection he needed.

  • Client: Male
  • Age: 35
  • Smoker status: Non-smoker
  • Medical condition: HIV and drug use
  • Cover date: June 2020
  • Product type: Index Linked Term Assurance
  • Cover amount: £180,000
  • Cover term: 20 years
  • Premium: £31.11

We were approached by this gentleman on the 27th March 2020 when he completed an enquiry through our website. Our advisor Mark B then called him to discuss his pre-existing medical conditions. At this point the client explained that he was HIV positive with a brief history of class A drug use over 4 years ago. He also went on to explain that he was looking for £180,000 over 20 years to cover his mortgage.

After receiving this information, our advisor Mark B then did some research to find the best insurance company for the gentleman and found him cover for £180,000 over 20 years for a monthly premium of £31.11.

This is an absolutely brilliant premium, especially due to the gentleman’s medical disclosure and his brief history of class A drug use. It is quite rare that we can secure cover for people who have used class A drugs, so for the gentleman to have such a low premium is amazing. Historically HIV has been a condition that has led to high premiums being applied to the policy. Thankfully things are changing for the better and premiums are much more affordable.

Furthermore, he was also delighted that we were able to find him cover as he has now got the protection that he might have previously thought was impossible to get.

Overall, we were delighted that we were able to secure cover for the gentleman at such a low premium. He now has cover that is well within his budget, meaning that he has the protection should the worst happen to him. We love helping people find the cover that they deserve and want to help get as many people as possible to get protected.

Most Common Questions

We answer your most frequently asked questions.

There are a number of factors which will be taken into account by underwriters when assessing an application for Hepatitis Life Insurance which could result in a decline, such as:

There are a number of other significant factors which must be considered when assessing Hepatitis Life Insurance and guidance will vary significantly from one provider to another.

If you obtained your life insurance before you were diagnosed with Hepatitis then it may not be possible to reduce the premiums that you are paying for that cover. It is always worth reviewing your current life insurance to ensure that you have sufficient cover in place to suit your circumstances which will regularly change. We may be able to offer several options and alternatives to you which we will advise you on for free so it is definitely worth taking the time to speak to us.

There are a number of reasons for wanting or needing to review your existing cover, such as:

  • Having children
  • Moving house
  • Marriage / Divorce
  • New Job
  • Change in medical circumstances
  • Stopping smoking

Our team of expert advisors will help you to obtain the most suitable and appropriate cover for you, your family or your business at the right price.

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Facts About Hepatitis:

Hepatitis is a condition which affects the liver and the term is used to describe inflammation of the liver. The condition is most commonly a result of some sort of viral infection or can be caused by liver damage caused by alcoholism. There are also several different types of Hepatitis (see below) which can last for short periods or can be chronic.

Hepatitis Statistics:

  • Around 1 in 5 people with Hepatitis C will recover naturally
  • NHS is estimated to be spending £8billion on Hepatitis in the next 30 years
  • Hepatitis B is one of the world’s most common and serious diseases
  • An estimated 326,000 people have Hepatitis B in the UK in 2007
  • Liver disease is a more common cause of death in the UK than Diabetes and traffic accidents combined

Types Of Hepatitis

There are several different types of Hepatitis which vary from the most commonly known, such as Hepatitis B and C, the lesser known Hepatitis E, F and G. Here is some more information about the various different types of Hepatitis: Hepatitis A: This is rare in the UK as it is most commonly seen in countries such as Africa, Central and South America, India and the Far East where sanitation is poor. This type of Hepatitis is caused by a virus which can be contracted by eating food or drinking water that is contaminated with the infection. Hepatitis B: A highly infectious virus and can be contracted in a number of ways such as intravenous drug use, unprotected sex, pregnant women to their babies or from child to child. The virus is up to 100 times more infectious than HIV as an example. This type of Hepatitis is still fairly uncommon in the UK and is generally caused by infection from visiting areas of the world where the virus is more prevalent, such as Southeast Asia and Sub-Saharan Africa. Most adults who are infected with Hepatitis B will generally be able to fight off the virus to then fully recover from the infection within several months. People who are infected earlier in life (i.e. childhood) will generally develop a long-term infection (Chronic Hepatitis B) which can also lead to Cancer of the Liver and Cirrhosis. Risk groups for Hepatitis B in the UK are drug users, healthcare workers, homosexual males and people who regularly travel to areas where the infection is common. For these people, vaccination against Hepatitis is highly recommended. Hepatitis C: The most common type of Hepatitis in the UK due to the fact that it can be contracted by blood to blood contact with an infected person. This type of Hepatitis is most commonly seen in drug users and healthcare workers who have been exposed to unsafe medical practices. There are no specific or noticeable symptoms for Hepatitis C apart from some flu-like symptoms in some cases, so it is highly likely that people will be unaware that they have it. According to figures, approximately 1 in 4 people with Hepatitis C will fight the infection naturally and become free of the virus. For the rest, the infection will remain in the body for many years and is then known as Chronic Hepatitis C, which can also cause Cirrhosis and Liver Failure. Hepatitis D: Also generally rare in the UK and only seen in people who are already infected with Hepatitis B as it needs the Hepatitis B virus to be able to survive. Generally also spreads through blood to blood contact or unprotected sex and more commonly seen in areas such as Middle East, South America and parts of Europe. Hepatitis E: Now the UK’s most common cause of short-term or acute Hepatitis, but still very rare and usually only a short term infection (not requiring treatment). Generally contracted by eating food or drinking something that is contaminated with the virus which has been passed by a person with the infection There is currently no vaccination for Hepatitis E, however, you are able to reduce the risk of infection by following some simple common hygiene practices. This can also be more serious and become chronic within groups of people who have a suppressed immune system, for example, people receiving an organ transplant. Alcoholic Hepatitis: As it says in the name, this type of Hepatitis is caused by the consumption of excessive amounts of alcohol over a period of several years generally. This is common in the UK due to the drinking culture in certain areas of the country and many people wouldn’t even realise they have it, due to the fact that there are generally no noticeable symptoms. If you have Alcoholic Hepatitis, then stopping drinking will usually enable the liver to recover over a period of time, however continuing to consume alcohol can cause cirrhosis, liver cancer or liver failure. The easiest way to reduce your risk of developing alcoholic hepatitis is to reduce your intake of alcohol levels to the recommended 14 units per week.
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