The Living Donor Protection Amendment Act of 2025 amends the Insurance Trade and Economic Development Amendment Act of 2000 to protect individuals who are living organ or tissue donors from discrimination by insurers. The bill introduces new definitions for "living donor" and "organ," as well as a definition for "tissue," which includes various parts of the human body. These definitions aim to clarify the status of living donors in the context of insurance policies.

Additionally, the bill prohibits insurers from denying, canceling, or varying the terms of life insurance, disability insurance, or long-term care insurance policies based solely on an individual's status as a living donor, unless there are actual and material actuarial risks involved. This provision is set to take effect for policies issued after January 1, 2026. The legislation seeks to ensure that living donors are not unfairly penalized in their insurance coverage due to their donation status.