Waiting period post-surgery

If you have had a kidney transplant, in all likelihood you will have to wait for one-year post-surgery, before you can get a life insurance cover. This is for the insurance company to make sure that you are doing well health-wise and there is less risk in insuring you.

Ensuring no dialysis needed

What the insurance company would like to ensure is that your renal functioning is now normal or regular and you do not require scheduled dialysis.

Can the policy be had on standard terms?

If you have received a kidney from a living relative, then you can expect to get life insurance on favourable terms. On the contrary, if you have donated a kidney to someone and there are no associated complications, then in that case too you can hope to receive policy on standard terms.

Additional medical details may be sought

However, do expect the insurance company to consult your doctor to know the exact details of how you are health-wise before issuing you a life cover. This is a routine check, but an important one from the insurance company’s perspective because it helps them ascertain what kind of risk do you pose in the future. In other words, it is to determine how likely are you to claim on the policy.

Deciding on a cover

While taking out a policy and decide on the amount of coverage that you will need, you may want to have a few considerations in place beforehand. These include:

  • If you have or how much mortgage you have?
  • Your income after deducting tax
  • Do you have any outstanding debts?
  • Do you have a partner or spouse who will need the money?
  • What kind of assets do you have?
  • Do you have any dependents?


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!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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