Critical Illness Insurance for Organ Transplant

Health insurance is what everyone buys to cover themselves for any and every kind of medical emergencies such as accidents, diseases or any ailment that requires hospitalization. But there are certain ailments that may not be sufficiently covered under your basic health insurance. Also, there are some illnesses that leave you disabled or paralyzed for life; it is for such illnesses that one should have a separate cover called Critical illness cover.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Critical illness insurance covers you for around 12 diseases like Cancer, Kidney failure, Organ transplant, Multiple sclerosis, Major Burns, Coronary artery surgery, Coma, Aorta graft surgery, Coronary artery bypass surgery, Paralysis, Primary pulmonary arterial hypertension and Stroke. Your basic health insurance can never be enough to cover for diseases like such as there will always be a cap on hospitalization expenses, medicines and other expenses. Critical illness insurance will come to your rescue when you are low on cash.

       

      Critical illness insurance for organ transplant is an utmost necessity because of the lump sum amount received post-diagnosis. This amount is an “add on” to your basic health insurance as it helps to wipe off all your monetary worries. Worries because the flow of income would stop during treatment and recovery, so opting for critical illness insurance may seem like a wise thing to do. The lump sum amount/alternative income will be helpful in paying for the home loan/rent or for expenses related to offspring or spouse (in case of dependent).

      What is most advisable is to go for a balanced plan consisting of both basic health insurance and critical health insurance. The above plan can save you by providing a decent balance between pricing and coverage.

      There are numerous things to take care of while opting for critical illness insurance for an organ transplant. Varying from insurer to insurer, the time frame for a contracted illness to be covered ranges from 60 to 120 days from the date of buying the policy. It is necessary to check whether or not organ transplant will be covered as critical illness. According to IRDA's recent announcement, it is compulsory for every insurer to cover at least 12 critical illnesses. So, organ transplant is definitely going to be part of that list.

      Seek an insurer who offers you the liberty of choice of either cashless reimbursement or, a benefits policy (You can choose to take lump sum amount and use it as per your convenience). Don't forget, about 30 day’s survival period post the diagnosis of critical illnesses for the lump sum compensation to be provided.

      Make sure you go for a floater policy – one policy for the insured person and his/her spouse, or two kids.

      Start when you are young. The younger the better, as the premium to be paid, would be less. A renewal discount of 5 per cent can be availed as no claims benefit. Also, very few insurers cover pre-existing diseases and that too after a waiting period of four years.

      book-home-visit
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does ICICI Lombard Health Insurance Cover Cataract Surgery?

      21 Jun 2024

      Cataract surgery is an essential procedure for people seeking to
      Read more
      Father’s Day 2024: Gift Your Father Health Insurance This Year

      14 Jun 2024

      Father’s Day is celebrated every year on the third Sunday of
      Read more
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL