Major organ transplant

Definite diagnosis of the irreversible failure of the heart, both lungs, liver, both kidneys or bone marrow, and transplantation must be medically necessary. To qualify under "major organ transplant", the insured person must undergo a transplantation procedure as the recipient of a heart, lung, liver, kidney or bone marrow, and limited to these entities.

The diagnosis of the major organ failure must be made by a specialist, and the transplantation procedure must be performed by a specialist.

In cases when one or more major organs are seriously diseased and the only effective treatment is an actual organ or tissue transplant, the required survival period (for insured’s suffering from a failing organ necessitating an organ transplant) is 30 days and usually begins on the day the diagnosis is made or when the insured is registered onto an organ transplant list that is recognized in Canada or the United States.