Life Insurance and Chronic Liver Disease

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 your options with an adviser

Please enter your full name
Please enter a valid email address
It's important to give us a valid phone number
Gender
Smoker
Date of Birth
Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
By submitting this form, you agree to the finder.com.au privacy policy
Compare Quotes

Compare Life insurance quotes from these direct brands

Rates last updated January 19th, 2017
Product details Maximum cover Maximum Entry Age Cooling-off
(days)
Life Insurance
Life Insurance
Choice of cover options and flexible premiums to suit budget. No lock-in contracts and fast application. $1,500,000 65 30 Get quoteMore info
Term Life Insurance
Term Life Insurance
Receive up to $1,500,000 in life cover with American Express Term Life Insurance issues by Zurich. $1,000,000 69 30 Get quoteMore info
NobleOak Term Life Insurance
NobleOak Term Life Insurance
Save 20% on NobleOak life insurance and pay no premium in the first month. $15,000,000 69 30 Get quoteMore info
Life Insurance
Life Insurance
Get flexible life insurance up to the sum of $2,000,000. $2,000,000 59 21 Get quoteMore info
Woolworths Life Insurance
Woolworths Life Insurance
Receive a discount of 10% on life insurance as a Woolworths Rewards Member. T's and C's apply. $1,500,000 65 30 Get quoteMore info
Ezicover Life Insurance
Ezicover Life Insurance
Get up to $1.5 million in life cover. 10% discount available on a second life insurance policy when two policies are issued at the same time. $1,500,000 69 30 Get quoteMore info

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.

Compare life insurance with cover for chronic liver disease

Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

2 Responses to Life Insurance and Chronic Liver Disease

    Default Gravatar
    Chris | December 14, 2016

    Hi could you please advice me what insurance companies insure an Australian citizen with Liver Fibrosis travelling to England ,Usa,Canada,singapoore.Thankyou for your answer.

      Staff
      Maurice | December 15, 2016

      Hi Chris,

      You’ve come to the comparison service finder.com.au. Unfortunately we can’t provide a recommendation for your specific circumstances.

      However, you can speak to an adviser about your cover options – simply fill out the form at the top of the page.

      Note: Their may be set exclusions on a policy if you have a pre-existing medical condition like live fibrosis.

      I hope this helps,

      Maurice

Ask a question
feedback