FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Kidney Transplant Life Insurance

You may have found it difficult to secure life insurance with Kidney Transplant. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

Living With A Kidney Transplant

Staying healthy post-transplant maximises the success of the operation and survival of the kidney. Avoiding smoking, eating a healthy diet, taking regular exercise, maintaining (or obtaining) a healthy weight, cutting alcohol intake and trying to avoid infections are crucial changes. Successful transplants remove the need for dialysis.

Types Of Transplant

It is also possible to receive a kidney from a matched living donor as the body can function normally with one healthy kidney. Usually, a living donor would come from a close relative who is more likely to share the same blood group and tissue type which gives the best chance of transplant success.

Kidney Transplant Life Insurance; how It Works?

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Some of the main considerations for Kidney Transplant Life Insurance that would be taken into account bu underwriters:

Underlying cause / Reason for Transplant

GFR reading

Creatinine reading

Period since Transplant

The Insurance Surgery is a leading life insurance specialist for all Kidney conditions including Kidney Transplants so speak to one of our team of experts today for more information.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

Possible Complications:

Short Term

As with any surgery, a transplant comes with some elements of risk. Some minor infections can occur in the early days due to the need to take immunosuppressant medications, there is also that chance of more serious infections such as pneumonia. Blot clots can develop in the arteries to the transplanted kidney, or there is a chance of narrowing of the artery. There is also a risk of the ureter which takes water from the kidney getting blocked, or possibly leaking. The body can reject the kidney, viewing it as a foreign body causing the immune system to attack it.

Long Term

The use of immunosuppressant drugs in the long term causes side effects which include:

Increased risk of infection

Increased risk of Diabetes

Weight gain

high blood pressure

Bruising and bleeding more easily

Mood Swings

Increased risk of some Cancers

Doctors can alter medication levels to aim to maintain the transplant success and minimise side effects.

Kidney Transplant Statistics UK:

In 2015 almost 2000 people in the UK received a kidney transplant

Survival times for the transplanted kidney depend on factors relating to how closely matched the donor was. Around 75% will survive for 10 years or more

Kidney transplants have a higher success rate than any other organ transplant

Around 1 in 3 people with Kidney failure are suitable for a transplant

More than 90% of kidneys used for transplants come from people who have died and asked to be donors

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

Click the links below to find out more:

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Can I Obtain Life Insurance After A Kidney Transplant?

Is Travel Insurance Available For Kidney Transplant Patients?

These are two questions we are often asked at The Insurance Surgery and unfortunately, there is no simple answer.

The Insurance Surgery was the first UK website to be set up to specifically cater for the insurance needs of clients with pre-existing medical conditions. We are therefore in an excellent position to be able to help clients who have had a Kidney Transplant.

We have over the years helped many Kidney Transplant recipients with advice and information regarding insurance and have built up an extensive knowledge of which life insurance companies are likely to be able to offer cover and under what circumstances and costs.

Below is a very brief guide to life and travel insurance but we would recommend contacting us so we can provide information on an individual basis.

Kidney Transplant Life Insurance Cover

Obtaining life insurance after a Kidney Transplant is possible, but not easy. For some patients cover will be declined whereas for others cover will be available for an additional cost. Availability will depend on various factors such as when the transplant was performed, who was the donor, has there been any rejection. Please feel free to complete the life insurance enquiry form which will allow us to obtain more details and provide you with an individual assessment.

Kidney Transplant and Travel Insurance

As with Life Insurance, Travel Insurance for clients who have had a Kidney Transplant can vary greatly in cost. The easiest way of obtaining a number of quotes is by using our Travel Insurance Wizard. This will take details of your Kidney Transplant and then provide you with almost instant quotations.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Forbes Advisor, 2025

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

What if I have been declined kidney transplant cover in the past?

Kidney Transplants and Life Insurance can be difficult to place depending on a number of key factors so it may well be that you have been declined cover in the past. This does not necessarily mean that cover is not available to you so speak to The Insurance Surgery and our team of expert advisors will let you know if the cover is available and search the market for the best cover for you.

What if I have life cover in place already?

We strongly believe in giving the best advice and as part of this, we will always tell you what your options are, which include sticking with your existing provider if this is the case. We will always try our best to make sure that you have the best cover and usually can improve on existing policies / cover depending on when it was taken out and any further complications.

Will I need to go for a medical?

The process of applying for life insurance varied from one provider to another and it very much depends on the individual circumstances in terms of what will be required. Most underwriters will require some additional information to support a life insurance application for complex conditions such as Kidney Transplants, such as:

Medical / Nurse screening

Targeted medical reports

GP reports

Subject Access Request’s (SAR’s)

Our team of experts will help you every step of the way to ensure that this process is as quick and painless as possible… we’re used to it!

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Kidney Transplant Life Insurance

Living With A Kidney Transplant

Types Of Transplant

Kidney Transplant Life Insurance; how It Works?

Underlying cause / Reason for Transplant

GFR reading

Creatinine reading

Period since Transplant

Critical Illness Cover

Income Protection Insurance

Possible Complications:

Short Term

Long Term

Kidney Transplant Statistics UK:

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Can I Obtain Life Insurance After A Kidney Transplant?

Is Travel Insurance Available For Kidney Transplant Patients?

Kidney Transplant Life Insurance Cover

Kidney Transplant and Travel Insurance

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies