Frequently Asked Questions
About Smart Stem Plus Coverage, Policy for Stem Cell Treatments:
What is Smart Stem Plus?
Smart Stem Plus is an international insurance policy that covers all expenses related to a transplant or therapy with previously stored umbilical cord stem cells. Our coverage is not limited to a country, doctor or clinic, you or any of the direct members of your family (insured) will have the freedom to choose where to have the treatment done.
Why have an insurance policy like Smart Stem Plus?
These types of cellular therapies can be expensive and in most cases, parents do not realize that it's not enough to have the stem cells stored if they don't have the financial means to use them. Smart Stem plus complements the decision to save the stem cells and makes it possible to access the best specialists and medical centers around the world.
What does Smart Stem Plus cover?
Smart Stem Plus provides guidance and access to stem cell specialists anywhere in the world, as well as transfers to hospitals and clinics, including daily meals, travel, and accommodations if you need to travel to another country to receive treatment.
Does Smart Stem Plus provide cryopreservation services?
No, Smart Stem Plus is an insurance policy, it is not a laboratory or cord blood bank. Smart Stem Plus works in an international network of affiliated cord blood banks, providing assistance and information to all those families that wish to store their baby's cells and acquire our coverage.
What are the requirements to acquire the Smart Stem Plus policy?
The only requirement is to have the stem cells stored or to be stored at the time of the baby's birth.
When is the best time to acquire the policy?
Any time if the stem cells are already stored. If pregnant, you can also purchase the policy as long as you are planning to store the stem cells at the time of birth. The policy coverage begins the day the baby is born if the stem cells were successfully preserved.
What can I do if my cord blood bank does not offer the Smart Stem Plus policy?
You can acquire our coverage regardless of whether your cord blood bank does not offer this option. Visit our pricing tab to buy your coverage online.
Who supports the coverage of Smart Stem Plus?
Smart Stem plus is supported by Southern Paciﬁc Insurance Corporation, an excellent and solid insurance group, licensed and registered by the National Association of Insurance Commissioners (NAIC) #15659, an American organization for the establishment of standards and regulatory support created by the main insurance authorities in the 50 states.
On Stem Cells and saving your baby's Umbilical Cord Blood:
Why save your baby's umbilical cord blood stem cells?
Umbilical cord blood stem cells can save the life of your baby and your immediate family members, including yourself. These stem cells create other cells that can rebuild bone, tissue, and cartilage, as well as help, strengthen the immune system.
How do you store your umbilical cord blood stem cells?
The cord blood is easily collected after the baby is born, processed and stored for future use.This procedure is completely painless for the mother and the baby.
What diseases can be treated with umbilical cord blood stem cells?
Cord blood Stem cells can be used to treat a range of more than 80 blood disorders such as Leukemia, Sickle Cell Anemia, and Fanconi Anemia. Researchers are also conducting studies and clinical trials to use stem cells to treat many other diseases, such as Cerebral Palsy and the Autistic Spectrum.
What types of transplants are available?
-Allogeneic or heterologous: the donor is a person other than the patient, which may be a family member (allogeneic donor) or an anonymous donor (allogeneic anonymous donor).
-Autologous transplant: the donors own stem cells are used for the transplant.
Can umbilical cord blood stem cells be used to treat the entire family?
Only 1st and 2nd-degree blood relatives of the donor as parents and siblings, for other relatives there would have to be a review to determine the degree of HLA compatibility between the family member and the donor.
Could I use a donated cord blood sample in case of needing a transplant?
Donated units have to be compatible with the receiver, therefore it may result in a long and costly international search to find a sample 60% or 70% compatible required for a transplant.
How long can the cord blood stem cells be stored?
It is known that stem cells from umbilical cord blood studied, remained viable, and in the same condition as the day on which they were frozen after more than 25 years of storage. During cryopreservation stem cells remain in the same state, suspended in the same condition indefinitely.
Still have doubts?
We’ll be happy to answer any of your questions