为什么会有这样的想法？住院保险投保以后，是保证续约的。除了合同中正常的Exclusions之外，如果有其他特别的Exclusions，比如Pre-Existing Conditions，会在保单合约中特别写清楚，其他的情况都是受保的。
要的是一个白纸黑字的garentee。
重新找工作，体检，回国，外派，移民，保险重买； 人生总有想要restart的时候。
要的只是一个garentee，明确写清楚：
当living donor产生的医疗后续和有可能的疾病，在任何时候，都不能作为exclusion items。
才能鼓励更多人当donor。
下面是Mayoclinic FAQ：
How will being a living donor affect my current insurance or getting new or additional insurance?
Please contact your insurance provider or your employer's human resources representative for your specific plan information. The Patient Protection and Affordable Care Act makes it illegal for insurance companies to deny health insurance coverage or charge you more due to a pre-existing condition.
要的只是一个garentee，明确写清楚：
当living donor产生的医疗后续和有可能的疾病，在任何时候，都不能作为exclusion items。
才能鼓励更多人当donor。
下面是Mayoclinic FAQ：
How will being a living donor affect my current insurance or getting new or additional insurance?
Please contact your insurance provider or your employer's human resources representative for your specific plan information. The Patient Protection and Affordable Care Act makes it illegal for insurance companies to deny health insurance coverage or charge you more due to a pre-existing condition.
Huasing Association 1999 - 2013