Organ Transplant

Organ transplants are very expensive, life-saving procedures. Fortunately, Tokio Marine HCC and HCC Life Insurance Company offers a solution for self-funded employers. By providing a fully-insured policy in conjunction with the employer sponsored health plan, employers are able to shift covered transplant services to this fully-insured arrangement and insure them in a more cost advantageous manner.  


  • The policy covers all major organ and tissue transplants.1
  • Coverage begins at evaluation and remains in effect for up to 365 days post-transplant.  100% of all covered transplant services are included when an in-network provider is utilized.2
  • Stand-alone fully-insured product designed especially for self-funded groups
  • Works in conjunction with any stop loss coverage
  • Discount to stop loss rates offered by most stop loss carriers
  • Protects employer from catastrophic expenses resulting from transplant exposure
  • Administered through TPAs and BUCAs
  • Offers solution to transplant related lasers and rate loads from stop loss carriers
  • Provides higher level of benefits for transplant patients (no deductible or out of pocket expenses)
  • Produces high degree of patient satisfaction from interaction with internal nurse care management team
  • Lifetime maximum options of $1,000,000, $2,000,000 and Unlimited
  • Up to $15,000 travel benefit paid at $300 per day
  • $5,000 indemnity benefit paid directly to covered patient post-transplant
  • Direct payment to providers
  • Access to major transplant facilities 
  1. Heart, Lung/Double Lung, Kidney, Pancreas, Liver, Intestine, Heart/Lung, Kidney/Pancreas, Kidney/Liver, Liver/Intestine, Liver/Pancreas/Intestine, Autologous Bone Marrow Peripheral Stem Cell, Allogenic Bone Marrow - Peripheral Stem Cell - Cord Blood
  2. All transplant services, including evaluation, listing and transplant, are subject to medical review and approval.

Related Products

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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