Bill > HR3503

This bill, known as the Kidney Donation Anti-Discrimination Act, aims to protect living kidney donors from unfair treatment by life insurance providers. Specifically, the legislation prohibits insurance companies from discriminating against individuals who have donated a kidney when offering, issuing, canceling, pricing, or determining the coverage of a life insurance policy. Discrimination would only be permitted if there is clear evidence of additional actuarial risks directly related to the kidney donation. The bill provides a private right of action, meaning that individuals who experience discrimination can sue the insurance company in federal district court and potentially receive damages and attorney's fees. The legislation does not override state or local laws that might provide even stronger protections for living kidney donors. The bill defines a "living kidney donor" as an individual who has donated a kidney and is still alive, and a "life insurance policy" as a contract that promises to pay a designated beneficiary a sum of money upon the death of the insured. By introducing this bill, lawmakers seek to remove potential barriers that might discourage individuals from becoming living kidney donors by ensuring they cannot be penalized in the life insurance market for their altruistic act.

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https://www.congress.gov/bill/119th-congress/house-bill/3503/all-info