British Liver Trust
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Life insurance and critical illness cover

I made a claim on my critical illness cover after my liver transplant which was successful. At that point the policy stopped and it now seems no insurance company wants to provide any sort of cover for me.

I understand they wouldn't cover the liver or anything related to it and that's fine but I would think they'd still provide insurance for the rest?

Anyone know of any specialist insurance that covers post transplant individuals?

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Thanks KLDN, this is exactly what I need to know! Don't need a transplant yet I don't think, but will the diagnosis cihrrosis be too much...

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Unfortunately it looks like it... ☹️

I consider myself extremely lucky to have had a policy in place before being diagnosed with anything. Just a shame I can't secure anything else for my family if the worst was to happen.

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I was diagnosed with liver problems 23 yrs ago and have subsequently had a transplant but was never able to get insurance after investigations started and believe me I've tried many times.

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Yes, I've had experience like the others. I had cirrhosis in my mid 20's before I'd even thought about life insurance. I did look into it once before my transplant about 10 years ago, and an adviser said I might be able to get some insurance, but it would cost over £200 a month and exclude anything to do with the liver. Seemed pretty pointless really. Are you working? Not self employed? Most companies offer 3 times your salary as death in service. That'll do for me, at least I know my kids will get something to help them out if I get run over by a bus.

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Thank you for the reply. I'm self employed so no employer to rely on if I get run over by a bus ☹️. Oh well I'm lucky to be alive anyway so whatever time I get from now on is a bonus really 😊.

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Well I'm really early stage I think. I wonder if I could still take something out...

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Once they know investigations are underway, even before diagnosis, there's usually exclusions or no cover. I did manage to get a depreciating policy to cover my mortgage but that was about 17 yrs ago. Good luck 😊

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