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 life insurance brands who can underwrite during the application

Name Product Maximum cover Maximum Entry Age Minimum Sum Insured Guaranteed Future Insurability Expiry Age Short Description
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.
Cover for pre-existing conditions are assessed on a case by case basis. You may need to speak to the underwriter over the phone. Make sure you select the 'Tailored' option on site.

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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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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.

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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2 Responses

  1. Default Gravatar
    ChrisDecember 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.

    • finder Customer Care
      MauriceDecember 15, 2016Staff

      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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