This is Part VII of VII in our series on covered conditions of critical illness insurance in Canada.
In order for kidney failure to be a pay a benefit, both kidneys must fail, the failure must be irreversible, and at least one of the above three mentioned treatments must be initiated. Without the treatment, a benefit would not be paid.
Major Organ Transplant
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.
Enrolment in Organ Transplant Program
Notice that the transplant center must be in Canada or the United State. I guess that rules out any 3rd world country illegal organ harvesting programs. Note that they also extend the normal survival period for this covered condition. With all covered conditions, you must survive a time period from the diagnosis. With this covered condition, you must survive 30 days from the date of enrolment, not the date of the diagnosis of the organ failure.
Wrongful or criminal deception intended to result in financial or personal gain.