Life Insurance after an Organ Transplant

Securing life insurance after an organ transplant can be a daunting task. Whatever the reason you were required to have the transplant‚ any surgery of this significance presents a unique risk to insurance companies and therefore a more complicated application process. However, it is often still possible!

So what essential information should you know before you make an application? Let’s look now in-depth.

The Nature of an Organ Transplant

The way in which your organ transplant shall be assessed as a factor in your insurance application varies. If your organ transplant was required due to a accident such as a car crash, then it will be necessary to disclose what other injuries (if any) you sustained in the accident.

If your organ transplant was required due to a preexisting medical condition, your case will need to be assessed taking into account the impact your medical condition might have on you in the future. For example, if you have needed to have a heart transplant then it will be crucial for us to get an understanding of the condition that led to this.

The Most Common Types of Organ Transplants

While every life insurance application is different, across the Australian population there are common conditions which ultimately can require an organ transplant as treatment. Among the most common types of organ transplants are:

  • Heart Transplant
  • Liver Transplant
  • Lung Transplant
  • Corneal
  • Bone Marrow
  • Renal (Kidney) Transplant
  • Pancreas Transplant

While these transplants are the most common, each and every transplant can have a variety of complications and factors that must be considered when an application is made.

Although finding the right cover for your condition can be difficult, it’s not impossible. At Special Risk Managers, we’ll help you help determine your life insurance and income protection options after an organ transplant

Call us on 1300 665 356 to get started. We’re experts at helping people find appropriate life insurance, trauma insurance, total & permanent disability cover, and income protection insurance for special and difficult conditions.

Further Complications

An organ transplant of any kind is a serious procedure, often requiring significant time to recover in hospital. There are also the complications that can arise during surgery as well as the recovery process. High blood pressure, high cholesterol, weight gain, and diabetes can all be stem from an organ transplant.

As a result, a life insurance or income protection application may not only be complicated by the organ transplant itself (and the reason the transplant was required), but also by any one of a number of complications that can follow it.

Your Recovery

Your life insurance or income protection application will heavily factor in how you have recovered from your transplant. When it comes to the recovery process, naturally, the closer you return to what is considered ‘normal’ will lead to the best outcomes.

Being diligent in your treatment regimen and follow ups with your specialist will assist in showing the insurer that you are reducing your risk to them. It is crucial for an insurer to feel comfortable that you will be responsible and remain aware of your health given the seriousness of the procedure you have undergone.

Working with Special Risk Managers

We understand there is more to life than a medical diagnosis and it is crucial to find a financial adviser that takes the time to understand yourself and your medical condition.

So if you’re an Australian with Barrett’s Esophagus and now wish to obtain life insurance or income protection, we invite you to contact us to discuss your options.

Call us today at 1300 66 53 56 to find out how we can help with your Barrett’s Esophagus Life Insurance and Income Protection application so you can protect and secure your future.