Life Insurance for Major Organ Transplant

Finding life insurance for major organ transplant.

The need for an organ transplant can affect anyone at at any age, in fact the majority of those on the kidney transplant list are under 19 years of age. At any time there are roughly 1600 people registered on the Australian organ transplant waiting list.

Life insurance helps to protect your family’s financial security, offering the peace of mind that comes from knowing you're prepared for the unexpected. Trauma cover, which can be added to your life insurance policy, can provide you with additional protection in the form of a lump sum payment.

Compare trauma policies with cover for major organ transplant

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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Product details Maximum cover Maximum Entry Age Cooling-off
Life Insurance
Life Insurance
Cover available if:
  • Condition was treated 5 years before taking out new cover* and with no reoccurrences of the condition since then.
  • Claim occurs at least 5 years after taking out new cover*
  • $1,500,000 65 30 Get quoteMore info
    Term Life Insurance
    Term Life Insurance
    Cover for pre-existing conditions are assessed on a case by case basis during the application process. You may be subject to an increase in premiums or a specific exclusion. $15,000,000 69 30 Get quoteMore info

    Trauma insurance to provide cover in the event of a major organ transplant

    Trauma insurance provide you with the financial protection you need should you be unable to work because of transplant surgery.

    Most trauma insurance providers offer cover in the event of a major organ transplant, providing a lump sum benefit payment to help your family manage the financial burden resulting from the procedure. The proceeds can be used to cover medical expenses, repay debts or even help with your recovery.

    Life insurance for people that have had transplants

    Though your medical history does have a big influence both the cost and your ability to obtain life insurance, it's possible get life insurance if you've undergone major organ transplant surgery.

    While it's possible to get cover, each insurer has its own acceptance criteria, so there is no guarantee you'll be able to get cover.

    If you’ve undergone a major transplant operation and you’re looking to obtain life insurance, speak to an insurance consultant to receive expert information tailored to your needs.

    Different types of organ transplant

    • Kidney transplant. The job of the kidneys is to clean the blood by removing excess fluid, wastes and minerals, as well as making hormones to regulate blood pressure and ensure strong bones. While dialysis and medication can help with some of these functions, kidney transplant is the best way to ensure proper health. Diabetes, lupus and polycystic kidney disease are a few of the common causes of kidney transplants.
    • Liver transplant. The largest organ in the body, the liver removes germs, bacteria and poisons from the blood and also controls infection. If your liver doesn’t function, you will die. There are more than 60 diseases of the liver which can result in someone requiring a liver transplant, with the most commonly-known condition being cirrhosis.
    • Heart transplant. As most people know, the heart is a vital organ that pumps blood around the body. If the heart muscle is injured this can obviously have a hugely detrimental impact on a person’s health and wellbeing. Coronary artery disease, cardiomyopathy, heart failure and a range of other problems can necessitate a heart transplant.
    • Lung transplant. Every cell in your body needs oxygen to be able to perform properly, and it’s the job of the lungs to provide the oxygen your body needs and expel the carbon dioxide it doesn’t. If a person’s lungs are damaged to the point that extra oxygen and artificial breathing assistance cannot help them function at a satisfactory level, lung transplantation may be required. Cystic fibrosis, COPD and other problems can be the cause of this.
    • Pancreas transplant. This major operation is performed for people with diabetes. A pancreas transplant can prevent, halt or even reverse various problems that patients suffer after years of living with diabetes. The pancreas secrets insulin and controls the body’s sugar levels.

    What are the side effects after undergoing a major organ transplant?

    An organ transplant is a major operation that can result in serious side effects for the organ recipient. After receiving an organ transplant, patients are given quite powerful drugs to suppress their immune system. These drugs can affect the entire body and produce a range of side effects.

    The side effects patients suffer will differ depending on the type of medication given but commonly include:

    • Nausea and vomiting
    • Diarrhoea
    • High blood pressure
    • Headache
    • High cholesterol
    • Increased appetite
    • Weakened bones
    • Anaemia
    • Mood swings
    • Trouble sleeping
    • Hair loss
    • Tingling of the hands and feet
    • Weight gain

    It’s also important to point out that one patient’s response to the drugs can be very different to the next person’s reaction.

    In addition, some patients require further medication to control the effects of the drugs given to suppress their immune system. This can include antibiotics and anti-fungal medication, anti-ulcer medications and diuretics.

    Find cover for major organ transplant

    Richard Laycock

    Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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