Life insurance and chronic liver disease: What you're covered for.
Liver disease encompasses a range of diseases including:
- Liver fibrosis and scarring (cirrhosis)
- Cirrhosis (late-stage liver disease)
- Chronic liver inflammation (hepatitis)
- Alcohol and fatty liver disease (steatohepatitis)
Whether you're suffering from stages liver disease or looking to protect yourself in the future, life insurance might be able to help.
Compare life insurance brands who can underwrite during the application
When using an adviser
There may be some back and forth between the adviser and an underwriter before your cover can actually be confirmed.
Pre-existing conditions and life insurance
Often, people will find that their previous medical history will affect the type of insurance that you will be able to apply for. When it comes to trauma insurance that covers liver disease:
- Previous conditions. Previous diseases and conditions will have to be given when you apply for an insurance policy. If any of these conditions increase the likelihood of you developing an illness you may have to get alternate forms of insurance.
- Previous conditions and insurance. If you have had existing conditions that will relate to liver disease then you may think than most insurance companies will not accept your application. However, many insurance companies will give you an altered contract or the same contract if you can show how you have rectified the situation.
Questions you could be asked by your insurer
- Is there a history of liver disease in your family?
- Have you ever had symptoms of liver disease that made you seek medical advice or have you been diagnosed with liver disease?
Source: Australian Institute of Health and Welfare 2016
What is chronic liver disease?
- What is liver disease? Liver disease is a broad term that will cover all of the many diseases that may affect the liver. Liver disease will generally have resulted from damage to the liver that is irreversible and has caused loss of function.
- What causes liver disease? There are many causes to liver disease. Some of the most common forms of liver disease will be caused by damage to the liver through alcohol use while others may be due to hereditary diseases.
- What are the effects of liver disease? A person that is suffering from liver disease will generally show the same symptoms. Some of the symptoms of liver disease are jaundice, dark urine, pale stool, bone loss, easy bleeding, itching, small, spider-like blood vessels visible in the skin, enlarged spleen, fluid in the abdominal cavity, chills, pain from the biliary tract or pancreas and an enlarged gallbladder.