Hepatitis B Life Insurance
Not sure how to find affordable Hepatitis B Life Insurance? At Life Insurance Cover we can help you find the protection you are looking for. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.
What Is Hepatitis B?
Hepatitis B is an infection of the liver caused by a virus that's spread through blood and body fluids. It often does not cause any obvious symptoms in adults, and typically passes in a few months without treatment.
But in children, it often persists for years and may eventually cause serious liver damage.
Hepatitis B is less common in the UK than other parts of the world, but certain groups are at an increased risk. This includes people originally from high-risk countries, people who inject drugs, and people who have unprotected sex with multiple sexual partners.
A hepatitis B vaccine is available for people at high risk of the condition.
Symptoms Of Hepatitis B
Many people with hepatitis B will not experience any symptoms and may fight off the virus without realising they had it. If symptoms do develop, they tend to happen 2 or 3 months after exposure to the hepatitis B virus.
Symptoms of hepatitis B include:
Flu-like symptoms, including tiredness, a fever, and general aches and pains
Loss of appetite
Feeling and being sick
Diarrhoea
Stomach pain
Yellowing of the skin and eyes (jaundice)
These symptoms will usually pass within 1 to 3 months (acute hepatitis B), although occasionally the infection can last for 6 months or more (chronic hepatitis B).
Treatments For Hepatitis B
Treatment for hepatitis B depends on how long you have been infected for. Short term exposure to the virus in the past few days, emergency treatment can help stop you becoming infected. If you have only had the infection for a few weeks or months (acute hepatitis B). You may only need treatment to relieve your symptoms while your body fights off the infection.
Long term infection for more than 6 months (chronic hepatitis B), you may be offered treatment with medicines that can keep the virus under control and reduce the risk of liver damage.
Chronic hepatitis B often requires long-term or lifelong treatment and regular monitoring to check for any further liver problems.
How Hepatitis B Is Spread
The hepatitis B virus is found in the blood and bodily fluids, such as semen and vaginal fluids, of an infected person.
It can be spread:
From a mother to her new born baby, particularly in countries where the infection is common (read more about hepatitis B in pregnancy)
Within families (child to child) in countries where the infection is common
Injecting drugs and sharing needles and other drug equipment, such as spoons and filters
Having sex with an infected person without using a condom
By having a tattoo, body piercing, or medical or dental treatment in an unhygienic environment with unsterilised equipment
Sharing toothbrushes or razors contaminated with infected blood
Hepatitis B is not spread by kissing, holding hands, hugging, coughing, sneezing or sharing crockery and utensils.
The Future With Chronic Hepatitis B
The vast majority of people infected with hepatitis B in adulthood are able to fight off the virus and fully recover within 1 to 3 months. Most will then be immune to the infection for life.
Babies and children with hepatitis B are more likely to develop a chronic infection.
Chronic hepatitis B affects around:
90% of babies with hepatitis B
20% of older children with hepatitis B
5% of adults with hepatitis B
Although treatment can help, there's a risk that people with chronic Hepatitis B could eventually develop life-threatening problems, such as scarring of the liver (cirrhosis) or liver cancer.
Most people who suffer with Hepatitis B Disease have been accepted on standard rates for life insurance. Insurers will however accept applications based on how severe the condition is. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.
Finding Hepatitis B Life Insurance
At Life Insurance Cover can find the right policy types and protection for you. It can be difficult to find the right Hepatitis B life insurance cover for you, but we can help you.
As Hepatitis B can be a long-term condition that links to other health conditions. Some insurers may be wary about accepting applications. All insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Hepatitis B life insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an insurer that can meet your needs.
Costs for Insurance Premiums
As Hepatitis B is usually a short term medical problem, most insurers will offer standard life insurance premiums. However the minority of people with Hepatitis B it could be a long-term health condition. Some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition. Whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. If you have had hospital admissions as a result of Hepatitis B, your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.
Prices from insurers will vary depending on who you speak to, which is why Life Insurance Cover is the perfect place to find the best Hepatitis B life insurance.
At Life Insurance Cover our specialist team of advisors and comparison service can help you find the best FCA-regulated life insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.
Who Offers Hepatitis B Life Insurance?
Life Insurance Cover works with all of the UK’s leading insurers for medical conditions including Hepatitis B life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:
– The best price for Hepatitis B life insurance
– Protection for complete peace of mind
– A specialist insurer that understands Hepatitis B Disease and your symptoms
Different Protection For Hepatitis B
Critical illness cover
Critical illness insurance offers protection for many conditions including cancer. If you have received a diagnosis for Hepatitis B. Acceptance of your application will depend on various factors. This will include your overall health, whether your symptoms are under control. An insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.
Life Insurance Cover offers policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
For more information on Hepatitis B Disease:
Do you have a medical condition like Hepatitis B and require life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.