Transplants

An organ transplant is the moving of a whole or partial organ from one person (donor) to another for the purpose of replacing the recipient's damaged or failing organ with a working one from the donor site. Organs that can be transplanted include the heart, kidneys, liver, lungs, pancreas, and intestine. The greatest risk is rejection of the transplanted organ, although significant risks are also associated with effects of long term immunosuppressive therapy that must be taken on an ongoing basis to prevent rejection and also a recurrence of the disease in the transplanted organ (this can occur with renal transplants). Survival statistics for heart and lung transplants are very limited.

What information should my client provide?

Your customer should complete the General medical disclosure fast-track questionnaire .

Likely acceptance terms

Life cover
Kidney transplant: For best case, terms may be available two years following surgery, depending on age at transplant, current age, presence of any complications*

Cover will be declined in the case of lung, heart or liver transplant.

Specified illness cover, income protection
Cover will be declined.

Hospital cash cover, accident cover, contribution cover
Cover will be declined.

*If any complications exist, the benefit will be declined.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.