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Kidney Transplant Life Insurance

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Kidney Transplant Life Insurance

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How it works:

Some of the main considerations for Kidney Transplant Life Insurance that would be taken into account bu underwriters:

  • Underlying cause / Reason for Transplant
  • GFR reading
  • Creatinine reading
  • Period since Transplant

The Insurance Surgery is a leading life insurance specialist for all Kidney conditions including Kidney Transplants so speak to one of our team of experts today for more information.

Case Study 1

  • Client: Female
  • Age: 33
  • Smoker Status: Non-Smoker
  • Condition: Kidney Transplant
  • Cover Date: January 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £120,000
  • Cover Term: 15 years
  • Premium: £56.15

Readings: GFR 32 - Creatinine 174

Case Study 2

  • Client: Female
  • Age: 36
  • Smoker Status: Non-Smoker
  • Condition: Chronic Kidney Disease
  • Cover Date: May 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £114,325
  • Cover Term: 32 years
  • Premium: £28.51

5 high street companies suggested they would Decline cover

Case Study 3

  • Client: Female
  • Age: 50
  • Smoker Status: Non-smoker
  • Condition: Polycystic Kidney Disease
  • Cover Date: May 2016
  • Product Type: Decreasing Term Assurance
  • Cover Amount: £87,500
  • Cover Term: 19 years
  • Premium: £29.45

AIG - Declined
Readings: GFR 61 - Creatinine 91

Most Common Questions:

Kidney Transplants and Life Insurance can be difficult to place depending on a number of key factors so it may well be that you have been declined cover in the past. This does not necessarily mean that cover is not available to you so speak to The Insurance Surgery and our team of expert advisors will let you know if the cover is available and search the market for the best cover for you.
We strongly believe in giving the best advice and as part of this, we will always tell you what your options are, which include sticking with your existing provider if this is the case. We will always try our best to make sure that you have the best cover and usually can improve on existing policies / cover depending on when it was taken out and any further complications.
The process of applying for life insurance varied from one provider to another and it very much depends on the individual circumstances in terms of what will be required. Most underwriters will require some additional information to support a life insurance application for complex conditions such as Kidney Transplants, such as:

  • Medical / Nurse screening
  • Targeted medical reports
  • GP reports
  • Subject Access Request’s (SAR’s)

Our team of experts will help you every step of the way to ensure that this process is as quick and painless as possible… we’re used to it!


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Kidney Transplant Statistics UK:

  • In 2015 almost 2000 people in the UK received a kidney transplant
  • A further 5500 were on the waiting list for organ donation
  • Survival times for the transplanted kidney depend on factors relating to how closely matched the donor was. Around 75% will survive for 10 years or more
  • Kidney transplants have a higher success rate than any other organ transplant
  • Around 1 in 3 people with Kidney failure are suitable for a transplant
  • More than 90% of kidneys used for transplants come from people who have died and asked to be donors

Living with a Kidney Transplant

Staying healthy post-transplant maximises the success of the operation and survival of the kidney. Avoiding smoking, eating a healthy diet, taking regular exercise, maintaining (or obtaining) a healthy weight, cutting alcohol intake and trying to avoid infections are crucial changes. Successful transplants remove the need for dialysis.

Types of Transplant:

Donations from someone who has died are called cadaveric transplants. The recipient isn't given any information about the donor.
It is also possible to receive a kidney from a matched living donor as the body can function normally with one healthy kidney. Usually, a living donor would come from a close relative who is more likely to share the same blood group and tissue type which gives the best chance of transplant success.

Possible complications:

Short Term...

As with any surgery, a transplant comes with some elements of risk. Some minor infections can occur in the early days due to the need to take immunosuppressant medications, there is also that chance of more serious infections such as pneumonia. Blot clots can develop in the arteries to the transplanted kidney, or there is a chance of narrowing of the artery. There is also a risk of the ureter which takes water from the kidney getting blocked, or possibly leaking. The body can reject the kidney, viewing it as a foreign body causing the immune system to attack it.

Long Term...

The use of immunosuppressant drugs in the long term causes side effects which include:

Doctors can alter medication levels to aim to maintain the transplant success and minimise side effects.


Useful Links

National Kidney Foundation: https://www.kidney.org/transplantation
Kidney Research UK: https://www.kidneyresearchuk.org/health-information/kidney-transplantation
NHS Choices: http://www.nhs.uk/conditions/kidney-transplant

Can I obtain life insurance after a kidney transplant?

Is travel insurance available for kidney transplant patients?

These are two questions we are often asked at The Insurance Surgery and unfortunately, there is no simple answer.

The Insurance Surgery was the first UK website to be set up to specifically cater for the insurance needs of clients with pre-existing medical conditions. We are therefore in an excellent position to be able to help clients who have had a Kidney Transplant.

We have over the years helped many Kidney Transplant recipients with advice and information regarding insurance and have built up an extensive knowledge of which life insurance companies are likely to be able to offer cover and under what circumstances and costs.

Below is a very brief guide to life and travel insurance but we would recommend contacting us so we can provide information on an individual basis.

Obtaining life insurance after a Kidney Transplant is possible, but not easy. For some patients cover will be declined whereas for others cover will be available for an additional cost. Availability will depend on various factors such as when the transplant was performed, who was the donor, has there been any rejection. Please feel free to complete the life insurance enquiry form which will allow us to obtain more details and provide you with an individual assessment.
As with Life Insurance, Travel Insurance for clients who have had a Kidney Transplant can vary greatly in cost. The easiest way of obtaining a number of quotes is by using our Travel Insurance Wizard. This will take details of your Kidney Transplant and then provide you with almost instant quotations.

Kidney Transplant Life Insurance related News

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