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

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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.

    Choose Health Insurance Coverage of Your Choice

    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.

    Written By: PolicyBazaar - Updated: 13 September 2021
    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
    Is Crohn’s Disease Covered by Health Insurance Plans in India?

    14 Jan 2022

    A healthy digestive system is a sign of a healthy person. To keep...
    Read more
    Health Insurance Online v/s Offline: Which is Better?

    04 Jan 2022

    While buying a health insurance policy, you have the option to...
    Read more
    List of Diseases Covered by Max Bupa Health Insurance

    23 Dec 2021

    The COVID-19 pandemic has taught everyone to take their health...
    Read more
     List of Diseases Covered by Aditya Birla Health Insurance

    21 Dec 2021

    We are all surrounded by endless possibilities of contracting a...
    Read more
    Omicron COVID Variant: All You Need to Know

    08 Dec 2021

    The COVID-19 pandemic has been making the world dance to its tunes...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    How Senior Citizens can save Tax with Medical Bills u/s 80 D?
    Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income...
    Read more
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Read more
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer, the speculation continues regarding the difference between the...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.