In certain circumstances a history of hepatitis may have no impact on the availability of life insurance or critical illness cover.
In other circumstances it could rule out the possibility of any kind of cover whatsoever.
To find out what options are available get in touch with a broker who specialises in life insurance with medical conditions.
As a rough guide a history of Hepatitis A, with a full recovery and no symptoms for a few months, can mean all types of cover are very much available.
All other types of hepatitis are likely to lead to a doctor’s report being requested from your GP so the life insurance company can fully assess the information before making a decision.
This does not necessarily mean cover will be turned down. Insurers wouldn’t go to the trouble of asking for more information if they were just going to refuse cover
The human body is complicated which means application forms can’t ask all the necessary questions.
Although hepatitis is treatable and can be controlled in many cases it can lead to liver complications in some people or if not treated quickly enough.
Liver complications are the main concern for life insurance companies and any signs of cirrhosis will drastically reduce the possibility of cover.
Insurers will want to see the results of liver function tests to determine the extent of any possible damage.
Common practice for insurance companies is to find out if any symptoms are present and if they are then cover is likely to be ‘postponed’ until such time as treatment can be shown to be effective.
Insurers may also want to know the cause of the hepatitis because it can be secondary to alcohol problems or be contracted via intravenous drug use, both of which carry their own additional risks and concerns for an insurance company.
The difficulty that arises for people with hepatitis is the fact that insurance companies all look at illnesses in different ways and where one will accept cover another could just as easily decline an application.
Making use of a specialist broker can simplify things because they can gather as much information as possible and talk to underwriters at insurance companies to find out what options are available before submitting any applications.
This gets rid of the guess work so the applicant knows roughly what to expect before they apply (within reason, remember the insurer will write to the GP and the human body is complicated).