Cells4Life Stem Cell Insurance

Giving your family access to cutting edge, life saving stem cell therapies, whatever your financial situation.

stem cell insurance

Core Stem Cell Cover is a unique stem cell insurance worth up to £250,000. This policy helps to ease the financial burden should you, your baby or your family ever need to use their stem cells – it could even cover the cost to source and retrieve additional or alternative stem cells should they be needed. Read more about our core stem cell insurance cover.


For your peace of mind…

We are offered insurance with almost everything these days – how many of us actually want it?

But if your child needed to use their cord blood, that is a very different situation. The type of stem cell treatment that they need may not be in the UK, it may cost over £100,000 and then there is the additional expense of travel and living abroad.

That is why we have developed stem cell insurance policies that are genuinely useful – they make stem cell therapy affordable and are very inexpensive in themselves. Core Cover can even be extended to protect the whole family.

Of course, we all hope you never need to use your child’s stem cells for a life-threatening condition but what if you did…

How much is our stem cell insurance?

1 year policy
2 year policy
5 year policy
Expected Child£48£96£240
Siblings/Step Siblings£48£96£240
Parents/Step Siblings£48£96£240

Prices are inclusive of Insurance Premium Tax (IPT) currently 10% in the UK together with a fee applied by Cells4Life for arrangement of your insurance policy. The arrangement fee is £15 for a one year policy and £75 for the five year policy or cerebral palsy extension.


Peace of mind

It is expected that 1 in 3 people will need a stem cell treatment in their lifetime. +PROTECT gives you peace of mind that your family is prepared for that possibility.

Financial security

Underwritten by Lloyd’s of London, +PROTECT provides £250,000 worth of medical insurance to ensure your family always has access to the covered stem cell treatments, no matter your financial situation.

Maximum protection

Our stem cell insurance covers more than 70 conditions – including various forms of cancer, anaemia and sickle cell disease.


Underwritten by Lloyd’s of London, +PROTECT provides £250,000 worth of medical insurance to ensure your family always has access to the covered stem cell treatments, no matter your financial situation.

Who can take it out?
+PROTECT is available to your baby, their siblings and step siblings, and mum and dad.

What does it include?
+PROTECT is a comprehensive medical insurance that covers a vast range of treatment and non-treatment related expenses:

All the family

Treatment costs:
✓ Medical staff
✓ Hospital fees
✓ Drugs and dressings
✓ Outpatient visit costs
✓ Search cost for alternative stem cells if the stored sample is not suitable for any reason

Non-treatment expenses (up to £30,000)
✓ Travel costs for treatments abroad for the patient and an accompanying person
✓ Accommodation and food expenses for the accompanying person
✓ Post-treatment rehabilitation
✓ Cleaning and modifications to the home
✓ Personal aids such as clothes, wigs and other specialist equipment
✓ Tutoring costs for anyone under the age of 18 who is unable to attend school
✓ Home help and child-care
✓ Repatriation following a death abroad

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What conditions does it cover?

Acute Leukaemias

  • Acute Lymphoblastic Leukaemia (ALL)
  • Acute Myelogenous Leukaemia (AML)
  • Acute Biphenotypic Leukaemia
  • Acute Undifferentiated Leukaemia

Chronic Leukaemias

  • Chronic Myelogenous Leukaemia (CML)
  • Chronic Lymphocytic Leukaemia (CLL)
  • Juvenile Chronic Myelogenous Leukaemia (JCML)
  • Juvenile Myelomonocytic Leukaemia (JMML)

Myelodysplastic Syndromes

  • Myelodysplastic Syndrome (MDS)
  • Refractory Anaemia (RA)
  • Refractory Anaemia with Ringed Sideroblasts (RARS)
  • Refractory Anaemia with Excess Blasts (RAEB)
  • Refractory Anaemia with Excess Blast in Transformation (RAEB-T)
  • Chronic Myelomonocytic Leukaemia (CMML)

Haematopoietic Cell Disorders

  • Aplastic Anaemia (Severe)
  • Congenital Dyserythropoietic Anaemia
  • Fanconi Anaemia
  • Paroxysmal Nocturnal Haemoglobinuria (PNH)
  • Pure Red Cell Aplasia
  • Acute Myelofibrosis
  • Agnogenic Myeloid Metaplasia (Myelofibrosis)

Lymphoproliferative Disorders

  • Non-Hodgkin’s Lymphoma
  • Hodgkin’s Diseases

Phagocyte Disorders

  • Chediak-Higashi Syndrome
  • Chronic Granulomatous Disease

Plasma Cell Disorders

  • Multiple Myeloma
  • Plasma Cell Leukaemia
  • Waldenstrom’s Macroglobulinemia

Other Malignancies

  • Ewing Sarcoma
  • Neuroblastoma
  • Testicular Cancer

Inherited Platelet Abnormalities

  • Amegakaryocytosis / Congenital Thrombocytopenia

Inherited Haemoglobinopathies

  • Thalassaemia
  • Sickle cell disease

Inherited Metabolic Disorders

  • Aspartylglucosaminuria
  • Adrenoleukodystrophy
  • Alpha-mannosidosis
  • Congenital Erythropoietic Porphyria
  • Fucosidosis
  • Gangliosidosis
  • Gaucher’s Disease
  • Hunter Syndrome
  • Hurler Syndrome
  • Hurler-Scheie Syndrome
  • I-cell Disease
  • Infantile Ceroid Lipofuscinosis
  • Krabbe Disease
  • Lesch-Nyhan Syndrome
  • Metachromatic Leukodystrophy
  • Maroteaux-Lamy Syndrome
  • Morquio Syndrome
  • Mucopolysaccharidosis
  • Niemann-Pick Disease
  • Sandho Disease
  • Sanfilippo Disease
  • Sialidosis
  • Tay Sachs Disease
  • Wolman Disease

Histolytic Disorders

  • Familial Erythrophagocytic Lymphohistiocytosis
  • Histiocytosis-X
  • Haemophagocytosis

Inherited Immune System Disorders

  • Ataxia-Telangiectasia
  • Kostmann Syndrome
  • Myelokathexis
  • Leukocyte Adhesion Deficiency
  • DiGeorge Syndrome
  • Bare Lymphocyte Syndrome
  • Omenn Syndrome
  • Severe Combined Immunodeficiency (SCID)
  • SCID with Adenosine Deaminase Deficiency
  • SCID with absence of T & B Cells
  • SCID with absence of T Cells, Normal B Cell
  • Common Variable Immunodeficiency
  • Wiskott-Aldrich Syndrome
Find out more, request your welcome pack today


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