Life Insurance for those who have undergone a kidney transplant will likely need to be delayed until at least one year post surgery. The insurance provider that you approach will want to speak with your doctor in regards to your present state of health. Insurers are primarily focused upon if your renal functioning is now stable/normal and there is no scheduled dialysis. It is probable that any Life Insurance policy that you apply for will come with special terms if you are accepted for cover. Those who have received a kidney transplant from a living relative are most likely to receive favourable terms.
Life Insurance for individuals who have donated a kidney can be available at standard terms with most insurers provided that there are no lasting complications.
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Critical Illness Cover
Critical Illness Cover for people who have received a kidney transplant is not currently available.
Critical Illness Cover for those who have donated a kidney for transplant surgery may be available at standard terms provided that there are no lasting complications from the surgery. It is possible that the insurer will want you to wait a specific period of time post surgery before they will consider your Critical Illness policy application.
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Income Protection for those who have received a kidney transplant is currently unavailable.
For those who have donated a kidney for transplant surgery it can be possible to secure Income Protection at standard terms. Again, the insurance provider may wish to wait on considering your application until you have passed a certain amount of time post surgery.
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For kidney transplant recipients you may wish to consider Accident, Sickness and Unemployment Cover instead. This type of policy will pay a short-term income replacement in the event of illness, disability or involuntary redundancy for between 12 and 24 months. The policy is not medically underwritten at the time of application meaning that your kidney transplant will have no bearing on the acceptance terms. The claims process for these policies are however medically underwritten and your existing medical conditions will not be covered by the policy at the time of a claim.
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Some potential problems experienced by individuals who have had a kidney transplant include:
- Dietary restrictions
- Good hygiene to reduce chances of infection
- Annual screening
- Antithymocyte immunoglobulin (rabbit) (Thymoglobuline)
- Basiliximab (Simulect)
- CellCept (Mycophenolate mofetil)
- CellCept powder (Mycophenolate mofetil hydrochloride)
- Ciclosporin (Neoral, Sandimmun)
- Dexamethasone sodium phosphate
- Methylprednisolone (Medrone)
- Methylprednisolone sodium succinate (Solu-Medrone)
- Mycophenolate sodium (Myfortic)
- Prednisolone Sodium Phosphate
- Sirolimus (Rapamune)
- Tacrolimus (Prograf Infusion)
- Tacrolimus monohydrate (Advagraf, Prograf)