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Many insurers are willing to offer policies to customers who have hepatitis, but you could have to pay a higher premium.
Possibly. If you have hepatitis, whether or not you’ll be able to qualify for life insurance will depend on the insurer and its acceptance criteria.
If your condition is under control, has spontaneously cleared up or you’ve been through successful antiviral treatment, you may be able to get coverage with little to no increase in cost. This is particularly true for cases of acute hepatitis that have been in remission for several years or more.
If you have an active hepatitis infection you still may be insurable pending a premium loading, or a percentage increase on your premium. Factors considered during the underwriting of someone with hepatitis include what type of hepatitis you have and your age, alcohol consumption, duration of infection, gender and liver function.
If your application is denied, you have three options:
After the insurance contract has been finalized, subsequent changes to health can’t be reflected in premium or coverage adjustment, and it’s illegal for the insurer to cancel the insurance contract if you get sick. However, your insurer can cancel your policy or deny a claim if:
If you’ve been diagnosed with a strain of hepatitis and want to take out a life insurance policy:
Getting life insurance with hepatitis will require extra documentation, but it isn’t impossible. If you’re in remission you may be able to get a policy with little to no premium loading, and if you’re not in remission but your condition is under control, you may be able to get a policy for a higher cost. Compare life insurance providers to find the best possible rate.
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