Our 'Frequently Asked Questions' section is here to save you time in finding the answer you need. However, please make sure you also read the IPID and policy documents to ensure you fully understand the cover provided by this policy. Our key products are StemCellCare and StemCellCare Plus and StemCellCare Extra. All products insure against your child needing to use their stored stem cells for an appropriate treatment.

StemCellCare offers a £75,000 lump sum to spend where, when and how you wish if the child whose stem cells are stored requires them for an appropriate treatment. 

StemCellCare Plus extends the above cover to include biological siblings and increases the benefit to £150,000.

StemCellCare Extra is for those that have been given £75,000 of cover by their blood bank and wish to upgrade to £150,000 and add biological siblings. 

These are annual policies. We will contact you shortly before your renewal is due to confirm whether you would like cover to continue. A summary of all of our policies can be found here.

The FAQs below provide greater detail on these covers which are bought by individual parents. If you have any other questions or concerns please contact us on support@stemcellcare.co.uk.

Security
Policy
Emergency
General
Medical
Age
Residency
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Travel
Security Information
Is it safe to put my personal details online?

Yes. Whenever we ask you for personal information, we do so within a secure environment and all details sent between your device and our website are encrypted. Our payment portal uses military grade security to protect your bank and personal details.

Under the General Data Protection Regulation (GDPR) (EU) 2016/679, we have a legal duty to protect any information we collect from you. All information provided on this website and any attachments are considered privileged and confidential and are bound under GDPR. Millstream Underwriting Limited is committed to ensuring the security and protection of the personal information that we process, and to provide a compliant and consistent approach to data protection.

Policy Arrangements
Do I have to spend the policy benefit amount on medical treatment?

In the event of a valid claim, the policy will pay the policyholder the benefit amount. It is up to you to choose how the money is spent.

Where can I go for my treatment?

How you choose to use the benefit amount is up to you. Typically, you would work with your specialist clinical team to determine the options based on the condition.

How can I renew my policy?

You may have 1 year worth of free cover provided to you when you purchased stem cell storage. Further cover can be purchased over the phone or via our online platform at any time and the policy can renew annually thereafter.

How will my cover stay up to date?

Each year we review the cover with the Independent Panel of Medical Experts and our insurers. As new treatments evolve, the list of covered conditions may expand, year over year.

For how long can I renew my cover?

You are able to renew your cover annually up until the donor turns 40 years old. 

 

Can I make more than one claim?

No, each policy is only valid for one claim. 

Cover ceases and the policy cannot be renewed once a claim has been made. You can only make one claim during the lifetime of your policy (i.e. the original policy period and any subsequent renewal periods).

How do I pay for my policy?

You may have been provided with 1 year worth of free cover with your storage.

If you purchase an individual policy, then this is payable as a single annual premium by a bank account transaction.

How do you calculate my benefit amount?

Our benefit levels are set at a level to make a material contribution to the cost of treatment and do not reflect the cost of any one procedure. It is up to you to decide how this money is spent, using specialists of your choice in the country of your choosing.

Who is covered under this policy?

StemCellCare covers only the Donor child, who has their stem cells stored.

StemCellCare Plus covers both the Donor child and their biological siblings. 

What can I use a claim payment for?

Benefits payable can be used in whatever way you wish.

What is the duration of the cover?

You may have been provided with 1 years worth of free cover with your storage. Any individual cover continues for 12 months from the date of purchase and is renewed thereafter on an annual basis.

Can I change my policy?

If you move house, change your name, find that we have recorded your storage date incorrectly or have another change to your circumstances then please call us on 0330 311 2614 or email us at support@stemcellcare.co.uk and we'll adjust your policy.

Does the policy have a 'cash in' value?

This policy does not acquire a surrender or 'cash in' value and no premiums are refundable at expiry.

How do I claim?

Should you need to claim, in the event that a covered person is diagnosed with a covered condition and you receive an Haematopoietic Stem Cell Treatment (HSCT) assessment which states that HSCT using cord blood stored in the cord blood bank could be an appropriate procedure for the treatment of such medical condition, you must contact us as soon as possible and in any event within 30 days at claims@stemcellcare.co.uk or on 0330 311 2614.

What would qualify a claim?

A covered person being diagnosed with a covered condition. You must receive an HSCT Assessment which states that HSCT using the Cord Blood stored in the Cord Blood Bank could be an Appropriate Procedure for the treatment of such Medical Condition. Once we receive your claim form we will share this with our Independent Panel of Medical Experts (IPME) who will then confirm whether an HCST is an appropriate procedure. Once we have their confirmation (within 30 days) the claim will be paid. 

Which conditions are covered?

The conditions for which a benefit is payable include:

Leukaemias

Leukaemia is a cancer of the blood immune system, cells are called leukocytes or white cells

  • 1.1 Acute Lymphoblastic Leukaemia (ALL)
  • 1.2 Acute Myelogenous Leukaemia (AML)
  • 1.3 Acute Biphenotypic Leukaemia
  • 1.4 Acute Undifferentiated Leukaemia
  • 1.5 Chronic Lymphocytic Leukaemia (CLL)
  • 1.6 Chronic Myelogenous Leukaemia (CML)
  • 1.7 Juvenile Chronic Myelogenous Leukaemia (JCML)
  • 1.8 Juvenile Myelomonocytic Leukaemia (JMML)

 

Myelodysplastic Syndromes

Myelodysplastic Syndromes are also called pre-leukaemia

  • 2.1 Refractory Anaemia
  • 2.2 Refractory Anaemia with Ringed Sideroblasts (Sideroblastic anemia)
  • 2.3 Refractory Anaemia with Excess Blasts
  • 2.4 Refractory Anaemia with Excess Blasts in Transformation
  • 2.5 Chronic Myelomonocytic Leukaemia (CMML)

 

Lymphoma

Lymphoma is a cancer of the leukocytes that circulate in the blood and lymph vessels

  • 3.1 Hodgkin's Lymphoma
  • 3.2 Non-Hodgkin's Lymphoma (Burkitt's Lymphoma)

 

Transplants for Inherited Disorders

Transplants for Inherited Disorders of the Immune System & Other Organs

  • 4.1 Cartilage-Hair Hypoplasia
  • 4.2 Erythropoietic Porphyria
  • 4.3 Hermansky-Pudlak Syndrome
  • 4.4 Pearson's Syndrome
  • 4.5 Shwachman-Diamond Syndrome
  • 4.6 Systemic Mastocytosis

 

Transplants for Inherited Metabolic Disorders

Transplants for Inherited Metabolic Disorders

Mucopolysaccharidosis (MPS) Storage Diseases

  • 5.1 Hurler Syndrome (MPS-IH)
  • 5.2 Scheie Syndrome (MPS-IS)
  • 5.3 Hunter Syndrome (MPS-II)
  • 5.4 Sanfilippo Syndrome (MPS-III)
  • 5.5 Morquio Syndrome (MPS-IV)
  • 5.6 Maroteaux-Lamy Syndrome (MPS-VI)
  • 5.7 Sly Syndrome (MPS-VII) (beta-glucuronidase deficiency)
  • 5.8 Mucolipidosis II (I-cell Disease)

Leukodystrophy Disorders

  • 5.10 Adrenoleukodystrophy (ALD)
  • 5.11 Krabbe Disease(Globoid Cell Leukodystrophy)
  • 5.12 Metachromatic Leukodystrophy
  • 5.13 Pelizaeus-Merzbacher Disease

Lysosomal Storage Diseases

  • 5.14 Niemann-Pick Disease
  • 5.15 Sandhoff Disease
  • 5.16 Wolman Disease

Other Inherited Metabolic Disorders

  • 5.17 Lesch-Nyhan Syndrome
  • 5.18 Osteopetrosis

Other Disorders of Blood Cell Proliferation

Anaemias are deficiencies or malformations of red cells

  • 6.1 Aplastic Anaemia
  • 6.2 Fanconi Anaemia (The first cord blood transplant in 1988 was for FA, an inherited disorder)
  • 6.3 Congenital Dyserythropoietic Anaemia
  • 6.4 Paroxysmal Nocturnal Hemoglobinuria (PNH)

Inherited Red Cell Abnormalities. Red cells contain haemoglobin and carry oxygen to the body

  • 6.5 Sickle Cell Disease
  • 6.6 Beta Thalassemia Major (aka Cooley's Anaemia)
  • 6.7 Diamond-Blackfan Anaemia
  • 6.8 Pure Red Cell Aplasia

Inherited Platelet Abnormalities. Platelets are blood cells needed for clotting

  • 6.9 Amegakaryocytosis / Congenital Thrombocytopenia
  • 6.10 Glanzmann Thrombasthenia

Inherited Immune System Disorders: Severe Combined Immunodeficiency

  • 6.11 SCID with Adenosine Deaminase Deficiency (ADA-SCID)
  • 6.12 SCID which is X-linked
  • 6.13 SCID with absence of T & B Cells
  • 6.14 SCID with absence of T Cells, Normal B Cells
  • 6.15 Omenn Syndrome

Inherited Immune System Disorders: Neutropenias

  • 6.16 Infantile Genetic Agranulocytosis (Kostmann Syndrome)
  • 6.17 Myelokathexis

Inherited Immune System Disorders: Other

  • 6.18 Ataxia-Telangiectasia
  • 6.19 Bare Lymphocyte Syndrome
  • 6.20 Common Variable Immunodeficiency
  • 6.21 DiGeorge Syndrome
  • 6.22 Haemophagocytic lymphohistiocytosis
  • 6.23 Leukocyte Adhesion Deficiency
  • 6.24 Lymphoproliferative Disorders
  • 6.25 Lymphoproliferative Disorder, X-linked (Susceptibility to Epstein-Barr virus)
  • 6.26 Wiskott-Aldrich Syndrome

Myeloproliferative Disorders

  • 6.27 Acute Myelofibrosis
  • 6.28 Agnogenic Myeloid Metaplasia (Myelofibrosis)
  • 6.29 Polycythemia Vera
  • 6.30 Essential Thrombocythemia

Phagocyte Disorders - These are immune system cells that engulf and kill foreign organisms

  • 6.31 Chediak-Higashi Syndrome
  • 6.32 Chronic Granulomatous Disease
  • 6.33 Neutrophil Actin Deficiency
  • 6.34 Reticular Dysgenesis

Bone Marrow Cancers

  • 6.35 Multiple Myeloma
  • 6.36 Plasma Cell Leukaemia
  • 6.37 Waldenstrom's Macroglobulinemia Agnogenic Myeloid Metaplasia (Myelofibrosis)

 

Solid Tumours

Solid tumors not originating in the blood or immune system

  • 7.1 Neuroblastoma
  • 7.2 Medulloblastoma
  • 7.3 Retinoblastoma

 

Who underwrites StemCellCare?

StemCellCare is underwritten by Millstream Underwriting Limited on behalf of certain Underwriters at Lloyd’s.

Can I choose to receive more or less than the specified benefit amount?

This is a defined benefit policy, so there is a fixed benefit amount of £75,000 or £150,000 depending on the cover purchased.

Is there an excess or a deductible?

No, we pay the full amount stated for a valid claim.

Can I opt out of my free cover?

Some UK biobanks offer StemCellCare for free when you store your child's stem cells with them. You may choose not to claim or renew your policy once it has expired. 

Where can I read a policy summary?

A summary of all of our policies can be found here.

Who is eligible for the insurance?

The Policyholder is eligible for cover under this insurance if at the Commencement Date:

  1. You are ordinarily resident in the United Kingdom and will reside with the Covered Person(s) in the United Kingdom for the duration of the Period of Insurance.
  2. You have confirmed to Us that no Covered Person is suffering from, undergoing any tests for, or been referred to a doctor or other medical specialist regarding any medical condition that could be treated by stem cell therapy.
  3. The Donor’s Cord Blood has been stored in a Cord Blood Bank
  4. The Cord Blood Bank has confirmed to You in writing, at the time of storage, that they have accepted the Donor’s cord blood and that the sample is viable and could potentially be used for a medically approved HSCT (Hematopoietic Stem Cell Transplantation).

Unfortunately, we cannot cover children who are already suffering from a condition that could be treated by stem cell therapy.

When does cover start?

The cover will start as soon as your application has been accepted. Typically, your policy documents will be sent to you, via email, shortly after completing the online application form. 

Emergency
Do I have have to spend the policy benefit amount on medical treatment?

In the event of a valid claim, the policy will pay the policyholder the benefit amount. It is up to you to choose what the benefit is spent on.

How do I claim?

Should you need to claim, in the event that a covered person is diagnosed with a covered condition and you receive an Haematopoietic Stem Cell Treatment (HSCT) assessment which states that HSCT using cord blood stored in the cord blood bank could be an appropriate procedure for the treatment of such medical condition, you must contact us as soon as possible and in any event within 30 days at claims@stemcellcare.co.uk or on 0330 311 2614.

General Cover Questions
What are the advantages of having StemCellCare insurance?

Families with stored cord-blood can have the peace of mind that, in the event of a valid claim, a material contribution can be made towards the expenses relating to stem cell treatment.

Who are the Independent Panel of Medical Experts?

The Independent Panel of Medical Experts (IPME) are typically members of highly regarded stem cell organisations such as a) the European Society for Blood and Marrow Transplantation (EBMT). The EBMT is a non-profit organisation that was established in 1974 in order to allow scientists and physicians to share their experience and develop co-operative studies or b) the International Society for Cellular Therapy (ISCT) a global society of clinicians, regulators, technologists, and industry partners with a shared vision to translate cellular therapy into safe and effective therapies to improve patients' lives. 

Will my private medical cover be sufficient?

Traditional private medical insurance does not usually include stem cell therapy and only certain recognised hospitals may be covered by the provider. The StemCellCare policy is different - we provide an up-front payment that can be used where, when and how you wish - it’s your choice.

Does this affect my private medical insurance?

It shouldn't, StemCellCare cover is in addition to any private medical insurance you may already hold.

Which conditions are covered?

The conditions for which a benefit is payable include:

Anaemias (Aplastic Anaemia, Congenital Dyserythropoietic Anaemia, Fanconi, Anaemia, Paroxysmal Nocturnal Haemoglobinuria (PNH), Pure Red Cell Aplasia) Leukaemia / Acute Leukemia (Acute Lymphoblastic Leukemia (ALL), Acute Myelogenous Leukemia (AML), Acute Biphenotypic Leukemia, Acute Undifferentiated Leukemia) Chronic Leukaemia (Chronic Myelogenous Leukemia (CML), Chronic Lymphocytic Leukemia (CLL), Juvenile Chronic Myelogenous Leukemia (JCML), Juvenile Myelomonocytic Leukemia (JMML)), Myelodysplastic Syndromes (preleukemia) (Refractory Anemia (RA), Refractory Anemia with Ringed Sideroblasts (RARS), Refractory Anemia with Excess Blasts (RAEB), Refractory Anemia with Excess Blasts in Transformation (RAEB-T), Chronic Myelomonocytic Leukemia (CMML)) Lymphomas (Hodgkin's Lymphoma, Non-Hodgkin's Lymphoma (Burkitt's Lymphoma) ), Bone Marrow Cancers (Plasma Cell Disorders) (Multiple Myeloma, Plasma.

Cell Leukemia, Waldenstrom's Macroglobulinemia) , Solid Tumors (originating outside the blood and immune system) (Neuroblastoma, Medulloblastoma, Retinoblastoma) Myeloproliferative Disorders (Acute Myelofibrosis, Agnogenic Myeloid Metaplasia (Myelofibrosis), Polycythemia Vera, Essential Thrombocythemia) , Phagocyte Disorders (Chediak-Higashi Syndrome, Chronic Granulomatous Disease, Neutrophil Actin Deficiency, Reticular Dysgenesis) , Inherited Red Cell Abnormalities (Beta Thalassemia Major, Blackfan-Diamond Anemia, Pure Red Cell Aplasia, Sickle Cell Disease) , Inherited Platelet Abnormalities (Amegakaryocytosis / Congenital Thrombocytopenia, Glanzmann Thrombasthenia).

Inherited Metabolic Disorders Mucopolysaccharidoses (MPS), Storage Diseases (Mucopolysaccharidoses (MPS), Hurler's Syndrome (MPS-IH), Scheie Syndrome (MPS-IS), Hunter's Syndrome (MPS-II), Sanfilippo Syndrome (MPS-III), Morquio Syndrome (MPS-IV), Maroteaux-Lamy Syndrome (MPS-VI), Sly Syndrome, Beta-Glucuronidase Deficiency (MPS-VII), Mucolipidosis II (I-cell Disease) ), Leukodystrophy Disorders (Adrenoleukodystrophy (ALD)/Adrenomyeloneuropathy (AMN), Krabbe Disease (Globoid Cell Leukodystrophy), Metachromatic Leukodystrophy, Pelizaeus-Merzbacher Disease) Lysosomal Storage Diseases (Niemann-Pick Disease, Sandhoff Disease, Wolman Disease), Other: Lesch-Nyhan Syndrome , Inherited Immune System Disorders Severe Combined Immunodeficiency (SCID) (SCID with Adenosine Deaminase Deficiency (ADA-SCID), SCID which is X-linked, SCID with absence of T & B Cells, SCID with absence of T Cells, Normal B Cells, Omenn Syndrome) Neutropenias (Kostmann Syndrome, Myelokathexis) , Other: Ataxia-Telangiectasia, Bare Lymphocyte Syndrome, Common Variable Immunodeficiency, DiGeorge Syndrome,Hemophagocytic Lymphohistiocytosis, Leukocyte Adhesion Deficiency, Lymphoproliferative Disorders (LPD), Lymphoproliferative Disorder, X-linked, Wiskott-Aldrich Syndrome Inherited Disorders effecting the Immune System & Other Organs (Cartilage-Hair Hypoplasia, Gunther's Disease (Erythropoietic Porphyria), Hermansky-Pudlak Syndrome, Pearson's Syndrome, Shwachman-Diamond Syndrome, Systemic Mastocytosis.

Who are the benefits paid to?

We will pay the benefit to the Policyholder, or the covered person for whom HSCT is an appropriate procedure, if that covered person is aged 18 years or older.

What can I use a claim payment for?

Benefits payable can be used in whatever way you wish having discussed options with your medical team.

Am I covered if I move outside the UK either temporarily or permanently?

No. To purchase cover you need to be a resident in the United Kingdom and you will have to reside with the covered person in the United Kingdom for the duration of the period of insurance.

Who can pay the premium?

Anyone you choose can pay the premium. For example, it’s fine for your parents and grandparents to help out.

How does my blood bank fit into this?

If you have been told that you have free cover from your blood bank then they have bought a 'group' policy for all of their customers. Each customer then acquires a contractual benefit from the policy - meaning that you must claim directly rather than go through the blood bank.

Should you need any further information then please contact us.

How do I make a claim?

Should you need to claim, in the event that a covered person is diagnosed with a covered condition and you receive an Haematopoietic Stem Cell Treatment (HSCT) assessment which states that HSCT using cord blood stored in the cord blood bank could be an appropriate procedure for the treatment of such medical condition, you must contact us as soon as possible and in any event within 30 days at claims@stemcellcare.co.uk or on 0330 311 2614.

 

How do I make a complaint?

If you have any questions or concerns about your contract of insurance or the handling of a claim you should, in the first instance, contact Customer Services, whose contact details are:

Address: Millstream Underwriting Limited, 52-56 Leadenhall Street, London, EC3A 2EB.

Phone: 0330 311 2614

Email: support@stemcellcare.co.uk

If you are unable to resolve any questions or concerns with Millstream Underwriting Limited you can refer the matter to the Complaints Team at Lloyd’s. The contact details are:

Lloyds Complaints Team, Lloyd's Market Services, One Lime Street, London EC3M 7HA

Tel: 020 7327 5693; Fax: 020 7327 5225; E-mail: Complaints@Lloyds.com

Website: www.lloyds.com/complaints

A copy of the Lloyd’s complaints procedures are also available from this address.

Complaints that cannot be resolved by the Complaints Team at Lloyd’s may be referred to the Financial Ombudsman Service.

If you still remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer Your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent service in the United Kingdom for settling disputes between consumers and businesses providing financial services. You can find more information on the FOS at www.financial-ombudsman.org.uk.

The contact information is:

Financial Ombudsman Service Exchange Tower

London E14 9SR

Tel: 0800 0234 567 (normally free from a fixed line, but charges may apply from mobiles).

Tel: 0300 1239 123 (normally charged at the same rate as 01 and 02 on mobile phone tariffs).

E-mail: complaint.info@financial-ombudsman.org.uk

This complaint procedure is without prejudice to your right to take legal proceedings.

Medical Conditions
Does mine or my partner's medical history affect our cover?

No. As long as the Cord Blood Bank has confirmed to you in writing, at the time of storage, that they have accepted the Donor’s cord blood and that the sample is viable and could potentially be used for a medically approved HSCT.

As a parent, I have a medical condition. Can I still receive cover?

Yes. As long as the Cord Blood Bank has confirmed to you in writing, at the time of storage, that they have accepted the Donor’s cord blood and that the sample is viable and could potentially be used for a medically approved HSCT.

What are the chances of a member of my immediate family being a match?

There is a 25% chance of a sibling being an identical match and a 75% chance of them being a partial match.

What is cord blood?

The term "cord blood" means residual placental blood collected from the umbilical cord.

Up until recently this blood was discarded as medical waste. Cord blood contains stem cells that may be cryopreserved for later use in medical therapies, such as stem cell transplantation or new emerging therapies.

 

How is cord blood collected and banked?

Cord blood collection does not cause harm or pain to either the mother or the baby. The cord blood is collected after the baby has been delivered and the cord is clamped and cut. The cells in cord blood remain viable for a couple of days at room temperature, providing sufficient time for the blood to be shipped to a laboratory where the stem cells in the blood are processed and cryogenically frozen. Once properly frozen, stem cells remain viable for decades.

What are cord blood stem cells?

The umbilical cord and placenta are rich sources of stem cells. These are different from both the embryonic stem cells in a fertilized egg or the stem cells obtained from a child or an adult. The stem cells in cord blood can grow into blood and immune system cells, as well as other types of cells.

How are cord blood stem cells used today?

Today cord blood is often used as a substitute for bone marrow in stem cell transplants. More than 80 diseases are treated this way, including cancers, blood disorders, genetic and metabolic diseases. Seventy percent of patients who need a stem cell transplant do not have a matching donor in their own family, and their physician must search public registries of donors. The National Marrow Donor Program (BeTheMatch.org) is dedicated to matching patients with donors worldwide. There is a shortage of bone marrow donors who match minority patients. Cord blood donations are particularly helpful to patients of minority or mixed heritage because cord blood does not have to be matched as closely to the patient as stem cells from a bone marrow donor.

How long can cord blood be kept for and remain viable?

Cord-blood remains viable for at least 25 years. Experts predict this will extend as we learn more.

Since when have stem cells been used in the treatment of haematological diseases and cancers?

Since 1988.

Which conditions are covered?

The conditions for which a benefit is payable include:

Anaemias (Aplastic Anaemia, Congenital Dyserythropoietic Anaemia, Fanconi, Anaemia, Paroxysmal Nocturnal Haemoglobinuria (PNH), Pure Red Cell Aplasia) Leukaemia / Acute Leukemia (Acute Lymphoblastic Leukemia (ALL), Acute Myelogenous Leukemia (AML), Acute Biphenotypic Leukemia, Acute Undifferentiated Leukemia) Chronic Leukaemia (Chronic Myelogenous Leukemia (CML), Chronic Lymphocytic Leukemia (CLL), Juvenile Chronic Myelogenous Leukemia (JCML), Juvenile Myelomonocytic Leukemia (JMML)), Myelodysplastic Syndromes (pre-leukaemia) (Refractory Anemia (RA), Refractory Anemia with Ringed Sideroblasts (RARS), Refractory Anemia with Excess Blasts (RAEB), Refractory Anemia with Excess Blasts in Transformation (RAEB-T), Chronic Myelomonocytic Leukemia (CMML)) Lymphomas (Hodgkin's Lymphoma, Non-Hodgkin's Lymphoma (Burkitt's Lymphoma) ), Bone Marrow Cancers (Plasma Cell Disorders) (Multiple Myeloma, Plasma

Cell Leukemia, Waldenstrom's Macroglobulinemia), Solid Tumors (originating outside the blood and immune system) (Neuroblastoma, Medulloblastoma, Retinoblastoma) Myeloproliferative Disorders (Acute Myelofibrosis, Agnogenic Myeloid Metaplasia (Myelofibrosis), Polycythemia Vera, Essential Thrombocythemia), Phagocyte Disorders (Chediak-Higashi Syndrome, Chronic Granulomatous

Disease, Neutrophil Actin Deficiency, Reticular Dysgenesis), Inherited Red Cell Abnormalities (Beta Thalassemia Major,

Blackfan-Diamond Anemia, Pure Red Cell Aplasia, Sickle Cell Disease), Inherited Platelet Abnormalities (Amegakaryocytosis / Congenital

Thrombocytopenia, Glanzmann Thrombasthenia), Inherited Metabolic Disorders Mucopolysaccharidoses (MPS) Storage Diseases (Mucopolysaccharidoses (MPS), Hurler's Syndrome (MPS-IH), Scheie Syndrome (MPS-IS), Hunter's Syndrome (MPS-II), Sanfilippo Syndrome (MPS-III), Morquio Syndrome (MPS-IV), Maroteaux-Lamy Syndrome (MPS-VI), Sly Syndrome, Beta-Glucuronidase Deficiency (MPS-VII), Mucolipidosis II (I-cell Disease) ), Leukodystrophy Disorders (Adrenoleukodystrophy (ALD)/Adrenomyeloneuropathy (AMN), Krabbe Disease (Globoid Cell Leukodystrophy), Metachromatic Leukodystrophy, Pelizaeus-Merzbacher

Disease) Lysosomal Storage Diseases (Niemann-Pick Disease, Sandhoff Disease, Wolman Disease), Other: Lesch-Nyhan Syndrome, Inherited Immune System Disorders Severe Combined Immunodeficiency (SCID) (SCID with Adenosine Deaminase Deficiency (ADA-SCID), SCID which is X-linked, SCID with absence of T & B Cells, SCID with absence of T Cells, Normal B Cells, Omenn Syndrome) Neutropenias (Kostmann Syndrome, Myelokathexis), Other: Ataxia-Telangiectasia, Bare Lymphocyte Syndrome, Common Variable Immunodeficiency, DiGeorge Syndrome,Hemophagocytic Lymphohistiocytosis, Leukocyte Adhesion Deficiency, Lymphoproliferative Disorders (LPD), Lymphoproliferative Disorder, X-linked, Wiskott-Aldrich Syndrome Inherited Disorders effecting the Immune System & Other Organs (Cartilage-Hair Hypoplasia, Gunther's Disease (Erythropoietic Porphyria), Hermansky-Pudlak Syndrome, Pearson's Syndrome, Shwachman-Diamond Syndrome, Systemic Mastocytosis 11. What is HSCT?

HSCT means a Haematopoietic Stem Cell Transplant which is a therapeutic transplant procedure where haematopoietic Stem Cells of any donor type and any source are transplanted into a patient’s body with the intention of repopulating and replacing the haematopoietic system in total or in part for the purpose of treating a Covered Condition.

What is an HSCT assessment?

An HSCT is a therapeutic transplant procedure where haematopoietic stem cells are transplanted into a person’s body with the intention of repopulating and replacing the haematopoietic system in total or in part for the purpose of treating a Covered Condition.

An HSCT assessment is by an HSCT Specialist undertaken solely to determine whether or not an HSCT is an Appropriate Procedure for treatment of a Covered Person’s Covered Condition.

What if everything I need is covered by the NHS?

As long as you meet the criteria for a valid claim, you will still be eligible for the lump-sum benefit.

What is HLA typing?

Human Leukocyte Antigen are the surface markers on our cells. They help our body to recognise which cells belong to us and which do not. Cord blood collected and stored from a baby would be an identical HLA match to that individual. HLA markers are inherited from our parents so there is a 25% chance of a sibling being an identical match and a 75% chance of them being a partial match.

Can I buy insurance if have stored stem cells for my twins?

Yes. You will have to buy twice to ensure that both samples are covered. Alternatively you may purchase StemCellCare Plus, which covers the donor child and their biological siblings. Please note that you are only able to make one claim per policy. 

Does the cover include clinical trials and experimental treatments?

In the event of a diagnosis of one of the conditions covered by the policy you will be referred to an independent panel of medical experts (IPME). Their role is ensure that the suggested treatment for the covered person's covered condition is an appropriate procedure. An appropriate procedure means a procedure for which there is clinical evidence that such procedure is more beneficial than any established alternative procedure or treatment and, if undertaken, can improve health outcomes for the patient. As a result, clinical trials and experimental treatments cannot be covered.

StemCellCare covered conditions are reviewed every year by the independent panel and as treatments improve and become approved they will be added to the policy.

 

Age
I am under 18 - can I get cover?

No. To purchase StemCellCare the policyholder must be 18 or older.

 

The donor has to be below 40 to purchase cover. 

Residency
I live overseas. Is that a problem?

Policyholders must be a resident in the United Kingdom and will reside with the Covered Person in the United Kingdom for the duration of the period of insurance.

Countries where cover is provided

Cover can only be bought in the United Kingdom by a Policyholder who intends to reside with the covered person in the United Kingdom for the duration of the period of insurance.

The Policy Holder and the Insured Person must be registered throughout the Period of Insurance with a General Practitioner (GP) in the country in which they are a resident.

Cancel
How can I cancel the cover?

You have a right to cancel your policy under a cooling off period within thirty (14) days of the commencement date. If you do cancel within this period we will refund any premium you have paid.

To exercise this right, please contact Customer Services by post (Millstream Underwriting Limited, 52-56 Leadenhall Street, London, EC3A 2EB) or e-mail (support@stemcellcare.co.uk) and/or complete and return the Cancellation Form included within your policy wording.

You may cancel your policy at any time after the fourteenth (14th) day after the Commencement Date by writing to Customer Services provided you have not made a claim, a pro-rata return of premium will be payable to You.

Any cancellation request must be confirmed by email to Customer Services, this cancellation request will only be deemed as accepted once written confirmation has been issued by Millstream Underwriting Limited.

Travel

Millstream Underwriting Limited is authorised and regulated by the Financial Conduct Authority, (FCA Firm reference number: 308584). Registered in England and Wales No 3896220. Registered office: 52-56 Leadenhall Street, London, EC3A 2EB.

 

 

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