Stem cell insurance

Our stem cell insurance provides peace of mind for you and your family.

Stem cell insurance

Our stem cell insurance provides peace of mind for you and your family.

Stem Cell Insurance

Our stem cell insurance provides peace of mind for you and your family.

A decade ago, it was predicted that 1 in 3 people would need a regenerative therapy in their lifetime. Today, this chance is even higher.

Saving your baby’s umbilical cord gives you peace of mind that they, and possibly even other family members, have access to cutting-edge therapies if they ever need treatment.

But it is worth considering the potential associated costs. In some cases, where therapy is not available on the NHS, it could cost over £100,000 and may be outside the UK.

That is why we have partnered with StemCellCare to ease the burden if your baby or their biological siblings need a stem cell treatment.

By choosing our stem cell insurance, your family can access cutting-edge, lifesaving therapies whatever your financial situation.



£75,000 lump sum benefit

✓ 12 months cover

✓ Protects your child

✓ Covers almost 80 conditions


 £150,000 lump sum benefit

✓ 12 months cover

✓ Protects your child & their biological siblings

✓ Covers almost 80 conditions


Why choose +PROTECT or +PROTECTFamily?

  • Choice – in the event that your child needs an approved stem cell therapy, you have the freedom to spend your lump sum benefit when, how and where you choose
  • Peace of mind – if your child is diagnosed with a condition and requires stem cell treatment, you can rest assured that the financial burden will be significantly reduced
  • Maximum protection – +PROTECT provides cover for almost 80 different conditions
  • Support – your stem cell insurance policy includes free access to RedArc, a specialist nurse support company that provides practical and emotional guidance regardless of whether you make a claim
  • Fair and independent – all claims are reviewed by an independent panel of medical experts. Members are experts who typically belong to the European Society for Blood and Marrow Transplantation (EBMT) and International Society for Cellular Therapy (ISCT), so you can rest assured that they will conduct an impartial review and ensure a fair outcome.

What conditions are covered by stem cell insurance?

Traditional insurance does not cover stem cell treatments, but +PROTECT and +PROTECTFamily provide protection if your child or their biological siblings are diagnosed with any of the following conditions:

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

  • 1 Acute Lymphoblastic Leukaemia (ALL)
  • 2 Acute Myelogenous Leukaemia (AML)
  • 3 Acute Biphenotypic Leukaemia
  • 4 Acute Undifferentiated Leukaemia
  • 5 Chronic Lymphocytic Leukaemia (CLL)
  • 6 Chronic Myelogenous Leukaemia (CML)
  • 7 Juvenile Chronic Myelogenous Leukaemia (JCML)
  • 8 Juvenile Myelomonocytic Leukaemia (JMML)
Myelodysplastic Syndromes
Myelodysplastic Syndromes are also called pre-leukaemia

  • 1 Refractory Anaemia
  • 2 Refractory Anaemia with Ringed Sideroblasts (Sideroblastic anemia)
  • 3 Refractory Anaemia with Excess Blasts
  • 4 Refractory Anaemia with Excess Blasts in Transformation
  • 5 Chronic Myelomonocytic Leukaemia (CMML)
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

Note: StemCellCare does not cover clinical trials or experimental treatments.


Quick questions…

How do I make a claim on my stem cell insurance?

Simply email Your case will then be reviewed by an independent panel of medical experts.

Claims will be paid once it has been determined that the diagnosis is for a covered condition, and after the panel agree a haematopoietic stem cell transplant would be more beneficial than any other established alternative.

Will I have to pay any medical expenses?

+PROTECT and +PROTECTFamily provide a lump sum benefit, and it is completely up to you how to spend it. You may choose to use it to pay for a therapy abroad or for other medical expenses such as accommodation or post-treatment rehabilitation.

Can I renew my stem cell insurance policy?

Yes, you will be given the opportunity to renew your policy when it expires – one year after you purchased it.

Is there a limit on how long my stem cell insurance will last?

No, you can continue to renew your cover on an annual basis for as long as you store your baby’s stem cells.

Will my stem cell insurance policy be updated if a new treatment is approved?

+PROTECT and +PROTECTFamily are regularly reviewed by an independent panel of medical experts. If a treatment is introduced, they will review the situation and potentially expand the list of covered conditions.

How much does stem cell treatment usually cost?

The costs of a therapy vary according to what condition is being treated, and where the treatment takes place. The table below provides a rough guide of potential costs:

Cost of Treatment Location Average cost*
Treatment for donor (autologous) US £78,567
Europe £43,422
Treatment for sibling (allogeneic) US £180,910
Europe £96,902

Reference: Bloommenstein et al. (2012) & Majhail et al. (2013) *Inflation Adjusted to 2017 Costs **Sibling Cover is available under the StemCellCare + Policy only




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    Cells4Life (Company Number OC357135) is an Introducer Appointed Representative of Millstream Underwriting Limited. 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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