Dual Benefits of Health Insurance in Organ Transplant Surgeries

“Don’t take your organs to heaven….heaven knows we need them here.” – Anonymous

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
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
Close
Back
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

    Being an organ donor, you can make a big difference in someone’s life. But there are ethical dilemmas and controversies in one’s mind that have threatened to undermine the entire practice of transplanting organs. Safety issues and exorbitant costs of organ transplant surgeries are some of the main reasons why most people, especially organ donors slip back from this noble cause. For instance, approximate package costs for a heart transplant in India are Rs. 6-10 Lakh, and for liver the figure can go up to Rs. 24-28 Lakh.

    Taking such alarming costs into consideration, some insurers in India have taken the initiative of providing policyholders with an inbuilt cover on organ donor’s expenses. Let’s understand the coverage and exclusions of these policies in detail.

     

    Coverage for both donor and recipient

    Organ transplant necessitates two people – insured recipient and organ donor. Let’s say, you are an insured recipient, hospitalized for kidney transplantation and your friend is the kidney donor. The policy will cover all your expenses including medical, surgical as well as pre- and post-hospitalization. Expenses incurred on your friend’s surgery and storage of organ will also be covered under the policy. Treatment expenses of yours will be fully paid for up to the sum insured, but a cover for your friend’s expenses varies from insurer to insurer.

    Exclusions in donor’s section 

    As stated earlier, the donors cannot get their hospitalization costs covered under their individual health insurance policy. Therefore, the insured recipient may have to bear such expenses, making it critical to understand admissible and excluded expenses, as well as sub-limits.

    The cost of treatment for the organ donor is covered only for surgery and for storage of the organ. Other costs associated with the donor's hospitalization are generally not covered. Typical exclusions include the cost of screening the donor, donor's pre- and post-hospitalization costs and, post-surgical complications.

    Read also: Benefits of Having Multiple Health Insurance Plans

    A piece of advice!

    If you are undergoing through an organ transplant surgery then you must ask hospitals for a detailed break-up of costs into donor and recipient expenses. It is also important to demand a further break-up of donor costs into the screening, medical and surgical expenses to understand the financial impact of the exclusions. This will help you plan your organ transplant surgeries financially. 

    Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Written By: PolicyBazaar - Updated: 26 July 2021
    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 a Health Insurance Policy Cover Depression?

    27 Sep 2021

    Stress is one of the biggest contributors to lifestyle diseases...
    List of Diseases Covered by Care Health Insurance Plans

    27 Sep 2021

    Nobody wants to get diagnosed with a disease. But the ugly truth...
    Most-Important Lessons from the Covid-19 Pandemic

    23 Sep 2021

    Not very long back, the entire world was thrown aback by a...
    Does Health Insurance Cover Preventive Health Check-ups?

    22 Sep 2021

    Every object needs to be checked regularly to identify a...
    Bid Goodbye to Seasonal Diseases during the Pandemic with 7 Basic Practices

    21 Sep 2021

    Adding to the insurmountable loss of life the ongoing COVID-19...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL