When an insurance provider looks at your application form, they will consider:
- Your medical history. This includes things such as how hepatitis b or c affects you daily life, how severe it is and what condition your liver is in.
- You medical record may be questioned in order to determine whether your health has decreased since your diagnosis of hep B or C.
- If you are receiving treatment or if you have had any operations/medical service.
- Your family history will be able to show if anyone else in your family has hepatitis b or c.
Remember that any non disclosure of information about your hepatitis on a life insurance application form may result in a termination of your insurance policy and your money may be non-refundable.
Some insurance companies may be wary about offering life insurance to people with hepatitis; remember to always read the small print and find the best coverage for you.