Kidney transplant life insurance

Are you trying to find the right price for kidney transplant life insurance? With iLi, you can find cover that suits your budget and your circumstances. Our unique comparison service and network of approved impaired insurance specialists can help you quickly and easily locate the best insurance policy for your needs.

What is a kidney transplant?

A kidney transplant is a procedure in which a healthy kidney from one individual is transplanted into the body of another person, replacing one of their kidneys that is no longer functioning properly. Kidney transplants are usually required following end-stage chronic kidney disease or because of kidney failure. In order for a person to have a successful kidney transplant, they have to be well enough to go through the surgical procedure and be prepared to take follow-up medications.

There are many people on a waiting list to receive a kidney transplant, but who do not have a suitable living donor. They have to remain on the waiting list until a donor kidney that is compatible with their body becomes available. The average waiting time for a kidney transplant is 2-3 years.

Following a kidney transplant, patients must live a healthy lifestyle in order for their body to recover. This includes the stopping of smoking, eating a healthy diet, ensuring a healthy BMI and gentle exercise.

Finding kidney transplant life insurance with the right insurer

If you have had a kidney transplant and have been declined life insurance in the past, it can be difficult to know where to find the right insurer that can offer you cover for your needs. Some insurers can be cautious about accepting applications for kidney transplant life insurance. All insurers have to underwrite applications they receive from customers looking for kidney transplant life insurance, and need to manage their level of risk. At iLi, we can help you find the right insurer that will offer you the right amount of life insurance cover for your personal circumstances.

Costs for kidney transplant life insurance premiums

It can be challenging to find affordable life insurance following a kidney transplant. Some people may be accepted, while others may find that their application is declined. Premiums will depend on when you had a kidney transplant, whether there were any complications as a result of surgery, whether dialysis was required, and whether or not your body rejected the kidney.

Prices from insurers will vary depending on who you speak to, which is why iLi is the best tool to use to find the best impaired kidney transplant life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. If there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.

At iLi, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best cover that’s in line with your budget. Simply fill in the form below to obtain your quote.

Which companies offer kidney transplant life insurance?

iLi works with many of the UK’s leading life insurance providers, some of which will consider applications from people following a kidney transplant. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one life insurance broker. Fill in one of our easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

– Kidney transplant life insurance cover at the right price
– Peace of mind knowing that you and your loved ones are protected
– An insurer that has a caring approach towards your condition

Critical illness cover for kidney transplant patients

If you have received a kidney transplant, critical illness cover is currently unavailable. If you have donated a kidney for transplant, you may be considered for cover on standard terms or with restrictions added, depending on your circumstances and your current health. It is likely that you will have to wait for a certain amount of time post-surgery before an insurer will consider you for critical illness cover.

Further information

For more details on kidney transplants, visit the following links:

Kidney Care UK
National Kidney Foundation
Or visit one of our Impaired Life Leads dedicated websites.

At iLi, we like to save you money and make the purchasing of life insurance as simple as possible. If you have had a kidney transplant and require life insurance, you might be wondering where you can find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for free and get started.