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.

stem cell insurance

1 in 400 children will be born with cerebral palsy. This policy extension pays out an additional lump sum of £50,000 in the event of a diagnosis within the first three years of your baby’s life. This can be spent in any way that you wish.

For example, you could use the money to enrol your child on the Duke University cerebral palsy clinical trial in the US. This trial has had some very exciting initial results for the use of cord blood to treat cerebral palsy and other brain injuries.

Read more about our cerebral palsy extension.


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
5 year policy
Cerebral Palsy
Expected Child£48£240£240
Siblings/Step Siblings£48£240not eligible
Parents/Step Siblings£48£240not eligible

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.


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

The Duke University cerebral palsy clinical trial in the US is using patient’s own cord blood stem cells to deliver real improvements to their condition for the very first time. However, enrolling your child on trials like this can be expensive.

+PROTECTExtra pays out a £50,000 lump sum in the event of a cerebral palsy diagnosis, making this trial, or others like it, a viable option for anyone, no matter their financial circumstances. Alternatively, you can choose to spend the money on whatever you like, including your child’s long-term care, or other palliative treatments.

Learn more about cord blood treatments for cerebral palsy.

Who can take it out?
+PROTECTExtra can be taken out for your baby prior to their arrival and provides them with cover up until their third birthday.

What does it include?
+PROTECTExtra pays out a £50,000 lump sum in the event of a cerebral palsy diagnosis within the first three years of your baby’s life.

Find out more, request your welcome pack today


Due Date

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By post?Yes

Find out more, request your welcome pack today


Due Date

Not pregnant

By post?Yes

Connect with us

Get your FREE guide today...
Provide your contact details to request information via email and contact from our specialist advisers.


Due Date

Not pregnant

Request pack by post

Get your FREE guide today...
Provide your contact details to request information via email and contact from our specialist advisers.


Due Date

By post? Yes

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