Does Health Insurance Cover Liver Cirrhosis in India?

The liver is one of the most essential organs in our body. But, unfortunately, liver cirrhosis is rising at an alarming rate in India leading to greater demand for liver transplants. As per a report, about 10 lakh people in India are diagnosed with liver cirrhosis every year.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*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
All health plans cover Covid-19 treatment
  • 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

      What is your existing illness?

      Select all that apply

      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
      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

      What is Liver Cirrhosis?

      Liver cirrhosis is an end-stage liver disease that leads to permanent damages to the liver. Also known as chronic liver disease, the healthy liver tissues are replaced with scar tissues in this disease that prevent the liver from functioning properly. It is a critical disease as it can be life-threatening.

      When a healthy liver cell is injured due to diseases and medical conditions, it leads to cell death and inflammation. The damaged cell is then repaired that results in scarring of the tissues. The scar tissues obstruct the blood from flowing through the liver leading to slow absorption of nutrients, hormones, natural toxins and drugs by the liver. Moreover, it also reduces the production of bile, protein and other crucial substances by the liver. Basically, liver cirrhosis does not allow the liver to carry out its functions that are essential for the body functioning.

      Liver cirrhosis comprises of two stages – compensated cirrhosis and decompensated cirrhosis. Besides, it leads to several complications such as portal hypertension, hypersplenism, liver cancer, liver failure, infection and malnutrition.

      Causes of Liver Cirrhosis

      Take a look at some of the causes of liver cirrhosis:

      • Consumption of alcohol
      • Hepatitis B & C
      • Fatty liver disease
      • Diabetes
      • Family history of liver disease
      • Liver cancer
      • Injecting drugs with shared needles
      • Unprotected sex

      In recent times, liver cirrhosis has become a lifestyle disease. With obesity and alcohol consumption one of the major causes of the disease, liver cirrhosis has become extremely common among people with poor lifestyles. In fact, liver cirrhosis is more common among the youth now. Unlike a decade back, liver cirrhosis is now mostly detected amongst people between the age group of 40 to 60 years.

      Treatment of Liver Cirrhosis

      Liver cirrhosis leads to permanent damages to the liver. No matter which treatment you take, liver cirrhosis cannot be reversed. Since it is the last stage of liver disease, it has already damaged your liver permanently. The only thing you can do is slow the progression of the disease with early diagnosis and take maximum precautions.

      The treatment of liver cirrhosis depends on its cause and the extent of damage to the liver. For instance, if liver cirrhosis is caused due to liver cancer, treatment may include chemotherapy, immunotherapy, surgery, etc. In case no treatment is possible, doctors will suggest you a liver transplant.

      However, getting a liver transplant is a costly affair. In India, a liver transplant may cost somewhere between Rs 5,00,000 to Rs 30,00,000 depending upon the medical procedure used. Given the high cost, most people are unable to afford a liver transplant. Without a liver transplant, a person with liver cirrhosis can survive for a maximum of 2 to 3 years after the onset of the complications.

      Fortunately, you can get the cost of a liver transplant covered with the help of a health insurance policy.

      Health Insurance for Liver Cirrhosis

      In India, health insurance plans provide coverage for liver cirrhosis. Since liver cirrhosis is a critical disease, it is covered by a critical illness insurance policy. For the unversed, a critical illness insurance policy provides a lump sum benefit in case the insured is diagnosed with a critical disease during the policy tenure.

      If you have a poor lifestyle or have a history of liver disease, you must buy a critical illness insurance policy in addition to your regular health plan. Critical illness insurance pays a lump sum benefit equal to the sum insured irrespective of the actual cost of the treatment. The benefit amount can be used to pay for the cost of the liver transplant along with incidental expenses incurred during hospitalization. It can also be used to substitute the income lost due to hospitalization.

      Some critical insurance plans offer a sum insured of up to Rs 2,00,00,000. However, a critical illness insurance policy comes with a waiting period of 90 days and a survival period of 30 days.

      How Can You Prevent Liver Cirrhosis?

      You can prevent liver cirrhosis with the help of the following precautions:

      Avoid regular consumption of alcohol.

      • Consume a healthy diet with low sugar, low fat and low rice intake. Eat high fibre food  & green vegetables and make sure you do not consume more than 1400 calories in a day.
      • Drink two cups of coffee every day to slow down the progression of liver disease.
      • Maintain your ideal weight according to your height. Do aerobics regularly or walk about 4 to 5 km every day to maintain your weight.
      • Avoid smoking as much as possible.
      • Keep your blood sugar levels in control if you are diabetic.
      • Take vaccination for Hepatitis B.
      • Avoid consumption of non-steroidal anti-inflammatory drugs.

      Summing It Up

      Liver cirrhosis is the 10th most common reason of death in India as per the World Health Organization. This makes it important for everyone to take all necessary precautions to avoid getting diagnosed with this chronic liver disease. In case you do get diagnosed with liver cirrhosis, a liver transplant may be the only alternative to adding a few more years to your life. Therefore, you must have a critical illness insurance policy that covers the cost of a liver transplant and protect you from a financial burden.

      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
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      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
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      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

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