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.

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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.
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Product details Maximum cover Maximum Entry Age Cooling-off
Life Insurance
Life Insurance
Cover available if:
  • Condition was treated 5 years before taking out new cover* and with no reoccurrences of the condition since then.
  • Claim occurs at least 5 years after taking out new cover*
  • $1,500,000 65 30 Get quoteMore info
    Term Life Insurance
    Term Life Insurance
    Cover for pre-existing conditions are assessed on a case by case basis during the application process. You may be subject to an increase in premiums or a specific exclusion. $15,000,000 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 and is on a mission to make insurance easier to understand.

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    2 Responses to Life Insurance and Chronic Liver Disease

    1. 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 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,


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