Cord blood bank / Cell insurance

All umbilical cord blood samples in **2025 (1404 SH)** are covered by Arman Insurance under the following conditions:

The compensation payable in case of transplant failure due to insufficient stem cell count in the umbilical cord blood sample, microbial contamination, and/or inherent sample quality issues, as determined by specialists, **provided that the insurer's responsibility is confirmed**, is as follows:

All umbilical cord blood samples in **2025 (1404 SH)** are covered by Arman Insurance under the following conditions:

The compensation payable in case of transplant failure due to insufficient stem cell count in the umbilical cord blood sample, microbial contamination, and/or inherent sample quality issues, as determined by specialists, **provided that the insurer's responsibility is confirmed**, is as follows:

A) For the newborn whose sample has been stored:

Subject Conditions Maximum Payable Amount
In case of diseases of hematopoietic origin In case of **inability to obtain cells** through sources available to the insured 2,500,000,000
Provided **cells can be obtained** through sources available to the insured 500,000,000
In case of non-hematopoietic diseases Provided **cells can be obtained** and **cells are not obtained** through sources available to the insured 300,000,000
In case of diseases of hematopoietic originIn case of **inability to obtain cells** through sources available to the insured 300,000,000 Provided **cells can be obtained** through sources available to the insured 300,000,000
In case of non-hematopoietic diseasesProvided **cells can be obtained** and **cells are not obtained** through sources available to the insured 150,000,000

B) For first-degree relatives of the newborn whose sample has been stored:

The amount paid at the time of contract signing + total annual fee up to the time of compensation payment, will be paid.

C) In case of infant's death or presence of congenital diseases (genetic disorders, metabolic disorders, structural abnormalities):

The amount paid at the time of contract signing + total annual fee up to the time of compensation payment, will be paid.

E) Insurance coverage for samples against unforeseen events:

All umbilical cord blood samples stored at Royan Stem Cell Technology Company are covered against unforeseen events (fire, lightning, explosion). In case of an incident, the amount paid at the time of contract signing + total annual fee up to the time of compensation payment, will be paid.