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Life Insurance Not Readily Available To Kidney Donors

22nd July, 2014

Despite passing a plethora of rigorous tests and generally being healthier than the average person, those who have donated a kidney struggle to find life insurance policies post surgery according to a new study. A prerequisite of donating a kidney is to be in optimum health and senior health representatives have claimed to find it difficult to understand why consumers must fight with their insurers when they have perfectly normal kidney function.

A survey between 1970 and 2011 revealed that nearly 7 % of the 400 kidney donors in the UK had trouble getting lie insurance or changing from an existing policy. Some were told that donating a kidney was a pre-existing medical condition whilst others were denied coverage altogether. The affordable Care Act (ACA) explicitly states that insurance companies cannot take pre-existing conditions – or what they perceive is a pre-existing condition such as kidney donation – into account when offering or pricing up a health insurance plan.

Chief Economist at the Insurance Information Institute in New York, Steven Weisbart said this: ''Some companies may be concerned about the impact of going down to one kidney and might choose to reject an applicant, but another company might accept the same person without an increased premium, he said. Kidney donors should shop around for life insurance.'' This advise is expected to have an impact on so-called 'comparison websites' which allow those that have donated a kidney to compare life insurance quotes and find the best deal possible.   

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