Hepatitis A is a highly contagious liver infection which is caused by a virus, referred to as the hepatitis A virus.
The condition can be easily prevented by vaccination and spreads through contact with the body fluids of an infected person or contaminated food and water.
Symptoms of the condition include fatigue, nausea, abdominal pain, low-grade fever and loss of appetite. The condition is treatable by a medical professional and is critical and requires medical emergency care. The condition is short term and usually resolves on its own in a month or two.
Hepatitis A Life Insurance
Since hepatitis A is a short term condition and usually resolves on its own, most life insurance providers like to wait until you have fully recovered from the condition before processing your insurance application.
Once you have recovered life insurance can be easily available both on standard and non-standard terms depending on other factors.
The availability and cost of your life insurance will depend on the following factors:
- Age- the older you are, the higher the cost of insurance
- Lifestyle- if you have an unhealthy lifestyle and smoke or drink then premium rates should be higher
- Type of cover- some type of life covers are more expensive than others
- Amount of cover- the higher the cover amount, the higher the cost of insurance
- Term of insurance- the longer the validity term of your insurance policy, the higher the cost.
- Medical conditions- if you have other pre-existing medical conditions then that could affect your life insurance considerably
Complications with Hepatitis A application
In cases where your Hepatitis condition was severe or not well maintained which has required medical operations such as a liver transplant, then that could require additional underwriting and investigation on the side of the insurance company.
This could often result in a higher rate of premium for your life insurance.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00