Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹200/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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

Health Insurance Now Covers Both Donor & Donee in Transplant Surgeries

Will bring cost of such surgeries down by 20% to 40%.

With the number of transplant surgeries in India on the rise, insurers have come out with healthcare plans that cover the medical expenses of both donors and donees. This is a long overdue shift from traditional plans under which the donee had to cover even the donor’s medical expenses. This extra burden on the donor 20% to 40% of the total treatment cost was a major hurdle in many transplant surgeries till now.

These are the reasons, according to KG Krishnamoorthy Rao, MD and CEO, Future Generali India Insurance, why all insurers today have come out with such plans.

This move, experts say, will bridge the gap between the 15,00020,000 transplant surgeries performed in India every year; and the 1,00,000 and 2,00,000 patients who need liver and kidney transplants, respectively. A gap which will now, hopefully, be narrowed.

Experts have started opining that buying these healthcare plans is advisable. This follows from the fact that hospitals and healthcare organizations also prefer donor-donee plans as they share liabilities.

It is not just the healthcare plans that are being modified, all new healthcare plans that are launched these days have this donor-expense cover incorporated in them. Liberty Videocon General Insurance, for instance, recently entered the health insurance market with a flagship plan that covers organ donation expenses up to the sum assured. Roopam Asthana, director and CEO, Liberty Videocon General Insurance, has said that this plan covers expenses incurred towards donor's screening and treatment for harvesting of the organ donated.

The CEO of mid-size private general insurance firm (name withheld) was quoted in the press as saying, "Now, with the advancement of technology, both public and private companies are now averse to providing a cover. But, the individual has to disclose this at the very beginning to avoid rejection of claims in the future."

These plans have received a further boost with IRDA mandating that 12 critical illnesses be covered by health insurers, along with donor expenses.

(Source: This article has been adapted from the article "Insurance Cover for Organ Transplants to Ease Donor Costs" that appeared on December 22, 2014 in business-standard.com.)

Written By: PolicyBazaar - Updated: 11 December 2020
Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

You May Also Want to Know About

Top Maternity Insurance Plans

Top Maternity Insurance Plans

Best Maternity Insurance Plans Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requireme...
Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

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 i.e. it will settle the claim or not. A customer spends premium annually which will cover his medical expenses but there’s always ...
Best Health Insurance Plans for Senior Citizens in 2021

Best Health Insurance Plans for Senior Citizens in 2021

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 adequate health insurance for your loved ones. And if they are your elderly pare...
Here’s the Difference between Health Insurance and Mediclaim

Here’s the Difference between Health Insurance and Mediclaim

Here’s the Difference between Health Insurance and Mediclaim Imagine you’re looking for a job change. You get an interview call for a job. What will be your plan of action? Will you get your resume ready and prepare for the interview or you wi...
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL