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Stemsure by African Independent When our little one was born we paid a few thousand rand to have her stem cells stored by Lazaron. An additional nurse was present at her birth, who collecte the stem cells from the umbilical cord, placed them into a container, and gave them to Daddy to transport. Now, a year on African Independent has written to us about a product called Stemsure. Here's what they had to say:
Introduction
African Independent is a leading short term insurance provider that has over 70,000 current policyholders and has been innovative in creating several niche insurance products. The latest innovation is our partnership with Lazaron Biotechnologies where we have designed a policy specifically for their clients in order to cover the costs of the associated bills should the stem cells ever be utilized. These bills can be very expensive and won’t be covered by medical aid.
Stemsure Insurance Product
The product that we’ve designed exclusively for Lazaron clients is called Stemsure, and it provides the following fantastic
benefits:
We will pay out R500,000 should your child or their siblings need stem cell therapy using the stem cell that is currently stored for you. As mentioned these expenses aren’t covered by medical aid. It would be a huge loss if you have stored the cells, but cannot afford to use them should the need arise.
If something happens to you (death or disability), we will also pay the annual storage fees for your child’s stem cells for up to 5 years
If something happens to you (death or disability), we will also pay the monthly premium due in respect of this policy for a maximum period of 12 months after the date of death / permanent disability of the Policyholder.
We appreciate that you have already made a serious financial commitment of over R8,000 in storing your child’s stem cells, and thus we’ll like to give you a full money back guarantee which will pay out in the unlikely event that the stem cells are unusable
Premium & Excess
It is hard to put a price on the future health of your family, but to have all the benefits stated above will cost R175 per month
There is no excess payable
Why is Stemsure important to your family?
Have you thought about what you would do if something happened to your child – lets say, God forbid, you child got leukaemia (cancer of the blood) tomorrow, would you be able to afford the R500,000 out of your own pocket for the operation?
The fact that you have stored your child’s cells shows that you take the future health of your child very seriously. But have you thought about who will pay the annual stem cell storage fees if something had to happen to you?
You have already spent over R8,000, which is a lot of money that you have paid out – we now provide you with a full peace of mind money back guarantee
a Acute Leukemias
- Acute Lymphoblastic Leukemia
- Acute Myelogenous Leukemia
- Acute Biphenotypic Leukemia
- Acute Undifferentiated Leukemia
b Chronic Leukemias
- Chronic Myelogenous Leukemia
- Chronic Lymphocytic Leukemia
- Juvenile Chronic Myelogenous Leukemia
- Juvenile Myelogenous Leukemia
c Myelodysplastic Syndromes
- Refractory Anemia
- Refractory Anemia with Ringed Sideroblasts
- Refractory Anemia with Excess Blasts
- Refractory Anemia with Excess Blasts in transformation
- Chronic Myelomonocytic Leukemia
d Stem Cell Disorders
- Aplastic Anemia (Severe)
- Fanconi Anemia
- Paroxysmal Nocturnal Hemoglobinuria
- Pure Red Cell Aplasia
e Myeloproliferative Disorders
- Acute Myelofibrosis
- Agnogenic Myeloid Metaplasia
- Polycythemia Vera
- Essential Thrombocythemia
f Lymphoproliferative Disorders
- Non-Hodgkin's Lymphoma
- Hodgkin's Disease
g Phagocyte Disorders
- Chediak-Higashi Syndrome
- Chronic Granulomatous Disease
- Neutrophil Actin Deficiency
- Reticular Dysgenesis
h Inherited Metabolic Disorders
- Mucopolysaccharidoses
- Hurler's Syndrome
- Scheie Syndrome
- Hunter's Syndrome
- Sanfilippo Syndrome
- Morquio Syndrome
- Maroteaux-Lamy Syndrome
- Sly Syndrome, Beta-Glucuronidase Deficiency
- Adrenoleukodystrophy
- Mucolipidosis II
- Krabble Disease
- Gaucher's Disease
- Niemann-Pick Disease
- Wolman Disease
- Metachromatic Leukodystrophy
i Histiocytic Disorders
- Familial Erythrophagocytic Lymphohistiocytosis
- Histocytosis-X
- Hemophagocytosis
j Inherited Erythrocyte Abnormalities
- Beta Thalassemia Major
- Sickle Cell Disease
k Inherited Immune System Disorders
- Ataxia-Telangiectasia
- Kostmann Syndrome
- Leukocyte Adhesion Deficiency
- DiGeorge Syndrome
- Bare Lymphocyte Syndrome
- Omenn's Syndrome
- Severe Combined Immunodeficiency
- Severe Combined Immunodeficiency with Adenosine Deaminase Deficiency
- Absence of T & B Cells Severe Combined Immunodeficiency
- Wiskott-Aldrich Syndrome
- X-Linked Lymphoproliferative Disorder
l Other Inherited Disorders
- Lesch-Nyhan Syndrome
- Cartilage-Hair Hypoplasia
- Glanzmann Thrombasthenia
- Osteopetrosis
m Inherited Platelet Abnormalities
- Amegakaryocytosis / Congenital
- Thrombocytopenia
n Plasma Cell Disorders
- Multiple Myeloma
- Plasma Cell Leukemia
- Waldenstrom's Macroglobulinemia
