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Life insurance with Hepatitis C

Overview

Life Insurance terms can be available from mainstream insurers for those who have fully recovered from Hepatitis C.

If your Hepatitis C infection was the result of drug use, not all insurers will be willing to provide Life Insurance. If you have other medical conditions especially pre-existing or resulting liver problems, mainstream insurers may not always be willing to provide cover.

Pulse Insurance specialise in finding cover where it is available for those with more complex or serious medical conditions. It is not however always possible to find cover, particularly if your health is not relatively stable or is worsening. But, every person’s situation is unique and so it is not possible to generalise on the availability of cover for you.

Please submit an enquiry if you would like us to find Life Insurance solution for you.

 

Make a Life Insurance Enquiry

If you need a specialist underwriter.

If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Hepatitis C and any other medical conditions into account and finding Life Insurance cover for you, if it is available. 

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.

 

Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are rather good at helping people find the cover they need.

In most Hepatitis C cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.

 

Being Transparent

It is always important to declare your Hepatitis C and any other medical conditions completely.  Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.

 

Your Personal & Medical Details

Everything you disclose about your Hepatitis C and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

 

Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.

Life cover is issued based on a “snapshot” of your health.  Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens. 

 

Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Hepatitis C and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.

 

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to medical.reports@pulse-insurance.co.uk or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

 

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.

 

For Pulse Intermediaries

The following details may help you when competing an application for your client.

https://www.britishlivertrust.org.uk/liver-information/liver-conditions/hepatitis-c/

http://www.nhs.uk/conditions/Hepatitis-c/Pages/Introduction.aspx

 

Will Pulse cover me?

Has your treatment for Hepatitis C completed and were you diagnosed more than 6 months ago?

Anything else?

Have you been diagnosed with liver damage OR received a liver transplant OR do you have any other medical conditions?

Please complete our Enquiry form as clearly as possible.

If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430.

No

It is not usually possible to arrange Life Insurance until your condition has stabilised. 

If you would like to get things moving, you may wish to submit a provisional enquiry or giving us a quick call so we are ready to start finding you cover once this postponement period passes. We will need to check if any details have changed at that stage.

If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430

Start Again

Need help? Call us on: 01280 841430