Inflammation of the liver. There are several types of hepatitis. The disease is acute if it lasted for six months or less and the proposed insured is fully recovered. The disease is chronic if it persists more than six months.
Liver biopsy is often done and results reported as a Histologic Activity Index (FIAT) score.
Hepatitis A - Fully recovered with completely normal liver enzymes can be considered for the best classes.
Hepatitis B - Acute, fully recovered with completely normal liver enzymes can be considered for the best classes. Chronic, with no symptoms and minimal findings on liver biopsy, depending on liver enzyme elevations, the presence or absence of certain viral proteins in the blood, treatment history and age at infection, may be considered at Table B to Table H at ages under 40 or Table B to Table F at ages 40 and over. Generally uninsurable if currently symptomatic.
Hepatitis C - The ratings depend on current age, duration of infection and treatment history. Ratings may range from Table B at older ages with duration less than 10 years to Table J at younger ages with a longer duration. In very few cases, Standard may be possible.
Others, depending on the cause, may be eligible for best classes after complete recovery.
Life Insurance Solutions, in summary when underwriting a hepatitis history, suggests for those persons looking for life insurance for hepatitis, the following factors are very important in assessing the risk:
- Type of hepatitis?
- Date of diagnosis?
- Date of liver biopsy?
- Results of biopsy? (HAT score or description)
- Type of treatment?
- Date treatment started?
- Date treatment ended?
- Viral load detectable?
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