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Hepatitis Life Insurance

You may have found it difficult to secure life insurance with hepatitis life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Hepatitis Life insurance?

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.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Does Hepatitis Life Insurance Work?

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

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

Medications currently being taken

Blood results

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

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

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.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

For more information about Hepatitis Life Insurance or to speak to one of our team of highly trained experts, call 0800 083 2829 or complete our online enquiry form

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I get Hepatitis Life Insurance?

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:

Intravenous drug usage

Alcoholism and still drinking

HIV patients

Haemophiliacs with Hepatitis B or C

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.

What if I already have Hepatitis Life Insurance?

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.

Why might I need to review my cover?

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.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Hepatitis Life Insurance

What Is Hepatitis Life insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Does Hepatitis Life Insurance Work?

Type of Hepatitis (i.e. Hepatitis A, B, C, D etc.)

Severity of symptoms

Age diagnosed

Treatment / Medication

Medications currently being taken

Blood results

Critical Illness Cover

Income Protection Insurance

Facts About Hepatitis:

Hepatitis Statistics:

Types Of Hepatitis

Hepatitis D

Hepatitis E

Alcoholic Hepatitis

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies