Major Organ Transplant

– Undergoing surgery as a recipient of a transplant of a human heart, lung, liver, kidney, or pancreas.

Insured Person(s) –

  1. If contractor coverage is shown in the certificate schedule, we insure the contractor.
  2. If coverage is for the spouse of an eligible contractor, we insure the contractor as shown on the certificate schedule.
  3. Coverage for dependent children may be included in an attached rider (if applicable).
  4. If any person who would otherwise be a contractor is specifically excluded from coverage by endorsement to the certificate or by the application, then such person shall not be insured.
  5. Any other additions to the insured class must be added by endorsement after applying to the company.