Health Insurance Plans Covering Organ Transplantation

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:

Firstly, the cover provided is confined to the organ transplant surgery. If say post-surgery, the donor falls a prey to illness as a result of donating the organ, he’ll not be covered, implying that the insurer will no more be responsible to cover the donor’s expenses out of his own pocket. Might we mention, that selective standalone health insurers like Religare and Apollo Munich have extended the post hospitalisation cover for up to 180 days.
Secondly, It is a medical fact that donee is more vulnerable to health risks than the donor. But since the organ transplant cover is subjected to sub-limits, the donee ends up incurring the cost of treatment on his own.

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.