With the advent of advanced technology, organ transplantation is now a reality. There’s a huge demand of organ transplants in India but only a small fraction can be met. The reason is not only the reluctance and rarity of the willing donors but also the high costs involved in the treatment. There are not many insurers out there who are keen on covering organ donor’s expenses. For most of the health insurance policies, organ donor’s expense is generally considered to be an exclusion. However, some insurers have taken the initiative of providing policyholders an inbuilt cover on organ donor’s expenses.
*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
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The ones worth mentioning are Religare Health Insurance Company Limited, Apollo Munich, Max Bupa and Bharti AXA. The industry is hoping that other insurers will follow suit.
There are two key concerns regarding organ donor’s cover that needs to be addressed:
The industry experts are expecting that the health insurers will take a note of such points and come up with comprehensive policies covering the expenses related to the treatment of both the donor and the donee.