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 key features summary and policy documents to ensure you fully understand the cover provided by this policy. Our key products are StemCellCare and StemCellCare Extra and StemCellCarePlus. 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 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 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 0800 6444 255 or 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.

Policy Arrangements
Do I have to pay medical expenses?

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 your condition.

How can I renew my policy?

You may have 2 years’ 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 renews 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, so the list of covered conditions will expand, year over year.

For how long can I renew my cover?

You are able to renew your cover annually for as long as your stored sample is viable and insurers can provide cover.

Policies are renewed annually so that they contain the most up-to-date wording and treatments.

Can I make more than one claim?

No, the policy is only valid for one claim.

How do I pay for my policy?

You may have been provided with 2 years worth of free cover with your storage - you can also buy additional cover or renew your policy and pay with annual or monthly premiums.

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?

Our core product covers only the child who has their stem cells stored. We provide options to upgrade your cover so that both the child and his/her biological siblings are covered. This upgrade will cost an extra £77 a year, or £6.42 a month.

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 2 years worth of free cover with your storage. Additional 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 0800 6444 255 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?

In the event of a claim you should notify StemCellCare as soon as possible by calling us on 0800 6444 255 or emailing us at claims@stemcellcare.co.uk. We can then collect the correct information from you right from the start and ensure that the claims process is as smooth as possible.

What would qualify me for a claim?

Diagnosis of one of our covered conditions and an assessment by our Independent Panel of Medical Experts determining that an HSCT (Haematopoietic Stem Cell Transplant) would be the most appropriate course of treatment.

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 underwrites StemCellCare?

StemCellCare is underwritten by Aspen Insurance UK Limited, an A rated insurer.

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?

When buying stem cell storage from Future Health Biobank, StemCellCare is included for free in the cost for the first 2 years. You may choose not to claim or renew your policy on an annual basis.

Where can I read a policy summary?

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

Emergency
Do I have to pay medical expenses?

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.

What if I have a medical emergency?

Please use the emergency services as normal and contact us as soon as possible thereafter.

How do I claim?

In the event of a claim you should notify StemCellCare as soon as possible by calling us on 0800 6444 255 or emailing us at claims@stemcellcare.co.uk. We can then collect the correct information from you right from the start and ensure that the claims process is as smooth as possible. 

General Cover Questions
Who are StemCellCare?

StemCellCare is part of Future Family Limited who provide specialist insurance during and after pregnancy.

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, the IPME?

The 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. StemCellCare 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?

Payments are made to the family and not to the blood bank or hospital.

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?

Yes.

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 can claim directly rather than go through the blood bank.

Should you need any further information then please contact us.

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

No. As long as you are able to store your cells, you are eligible for the cover.

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

Yes. As long as you are able to store your cells, you are eligible for the cover.

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

There is a 30% 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” is used to describe the blood that remains in the umbilical cord and the placenta after the birth of a baby. 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 the patient’s body with the intention of repopulating and replacing the haematopoietic system in total or in part for the purpose of treating the Medical Condition.

What is an HSCT assessment?

An HSCT assessment means an assessment of a Medical Condition in a Related Person undertaken by a Specialist Physician solely to determine whether or not an HSCT is an Appropriate Procedure.

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 30% 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 are covered.

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. Their role is ensure that any proposed procedure is appropriate. 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?

The policyholder must be 18 or older. Typically a parent will buy cover and pass over responsibility for the policy and its renewal once the Insured Person reaches age 18.

Residency
I live overseas. Is that a problem?

Policyholders have to be resident in the UK when they purchase the cover.

Countries where cover is provided

Cover can only be bought in the United Kingdom by a Policyholder who intends to reside with the Insured Person in the United Kingdom during 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 the right to cancel this Policy at any time by giving notice in writing to StemCellCare. The effective date of cancellation will be the date notice of cancellation is received. Notice will be deemed received on the date notice is sent, if sent by email, or on the date of delivery if the notice is delivered by hand or two (2) working days after posting if notice is delivered or sent by post or courier.

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Get in touch with us today

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StemCellCare is a Trading Name of Future Family Limited. Future Family Limited (Company Number 07828098) is an Appointed Representative of SSL Endeavour. SSL Endeavour (Firm Reference No. 311657) is authorised and regulated by the Financial Conduct Authority.

 

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