If you have just gotten a kidney transplant, you might be evaluating your life insurance options. Most importantly, you might be thinking: can a kidney transplant patient get life insurance?

Yes, a kidney transplant patient can get affordable life insurance. But that depends on several factors.

Kidney transplant life insurance

When you are applying for kidney transplant life insurance UK, you will be asked to provide more information about the procedure you have undergone. The following are some common details that insurers request from kidney transplant patients:

  • The health condition that led you to get a kidney transplant
  • How long it has been since you got the transplant
  • What treatment you are undergoing to ensure that you don’t relapse
  • The post-surgery recovery plan that you are following
  • Whether you are given a living transplant or an organ from a cadaver (living transplants are viewed more favourably as it’s more likely that your body will accept the kidney)

Most insurance companies will also require you to sit a medical exam, but you also have the option to apply for a life insurance policy- specifically, the term life insurance policy- that doesn’t require an exam. However, it is best to avoid doing so as it makes it less likely that you are approved for insurance, especially because you have already been diagnosed with a medical condition.

How a kidney transplant affects life insurance

All insurance companies evaluate the risk of their applicants. Because you have had renal failure, you are going to be assigned a higher risk rating than someone with no health conditions.

Usually, this means that you have to pay a higher premium. Your premium is directly correlated with the risk rating that you are given.

However, if your risk classification is too high, you might be denied life insurance. Not to worry though, as this is a rare occurrence, mainly because most people do quite well after receiving a transplant. Getting life insurance after kidney transplant UK doesn’t have to be a daunting process!



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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