Health Insurance for Liver Transplant

Health Insurance for Liver Transplant covers the medical expenses incurred during a liver transplant surgery. It provides a lump sum compensation to the policyholder as soon as the treating doctor diagnoses the irreversible end-stage liver failure and recommends a transplant surgery. Most insurance companies in India cover the cost of a liver transplant surgery under a critical illness insurance plan.

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      What is Liver Transplant?

      Liver transplant is a surgery that replaces a deceased or failed liver with a healthy liver from another person. It either uses a healthy liver from a deceased person or a part of a healthy liver from a living person to replace a failed liver that no longer functions properly. Usually, a liver transplant surgery is recommended for a person with end-stage chronic liver disease.

      A liver transplant surgery can add at least five more years to the life of a person with liver failure. Moreover, thousands of liver transplant surgeries are conducted every year in India, with a success rate of 95%. However, 80% of the liver transplant surgeries performed in India are live donor liver transplants.

      Who Requires a Liver Transplant Surgery?

      People with the following diseases require a liver transplant surgery:

      • End-stage liver disease or liver cirrhosis
      • Acute liver failure
      • Children's liver diseases

      Benefits of Buying Health Insurance for Liver Transplant

      Here are the key reasons for buying a health insurance policy for a liver transplant:

      1. Expensive Transplant Surgery

        A liver transplant surgery is an expensive procedure. As per reports, a liver transplant surgery in India can easily cost somewhere between ₹25 lakh to 36 lakh, depending on the city and the type of hospital. Most people cannot afford this costly surgery without exhausting their life savings. However, by buying health insurance for surgery, people can stay financially prepared for this expensive liver transplant surgery.

      2. Comprehensive Financial Coverage

        Besides the surgery cost, a liver transplant operation can also lead to additional expenses, such as medicines, follow-up consultations, etc. Not only may post-surgery care add to the expenses, but the slow recovery may lead to a loss of income. However, people with a critical illness insurance policy do not have to worry about these expenses as the lump sum claim amount will not only cover all the post-surgery expenses but also act as an income replacement.

      Best Health Insurance for Liver Transplant in India

      Check out some of the best health insurance plans for liver transplant coverage in India:

      Liver Transplant Insurance Plans Entry Age Sum Insured
      (₹)
      Waiting Period Survival Period
      Aditya Birla Activ Secure - Critical Illness Plan Min - 5 years (18 years under Plan 3)
      Max – 65 years
      1 lakh to 1 crore 90 days, 180 days 15 days
      Bajaj Allianz Criti Care Plan Min – 90 days
      Max - 65 years
      1 lakh to 50 lakh 120 days, 180 days 7 days, 15 days
      Care Assure Plan Min - 18 years
      Max - 65 years
      1 lakh to 3 crore 90 days -
      Chola MS Critical Healthline Insurance Plan Min - 5 years
      Max - 65 years
      1 lakh to 10 lakh 90 days 30 days
      Digit Total Protect Plan Min – 181 days
      Max – 85 years
      5,000 to 3.5 crore 30 days, 60 days, 90 days 30 days
      Future Criticare Policy Min - 6 years
      Max - 65 years
      1 lakh to 50 lakh 90 days 28 days
      HDFC ERGO Critical Illness Insurance Plan Min - 5 years
      Max - 65 years
      1 lakh to 50 lakh 90 days 15 days, 30 days
      ICICI Lombard Criti Shield Plus Plan Min - 91 days Max - 65 years 1 lakh to 1 crore 90 days No survival period
      IFFCO Tokio Critical Illness Benefit Policy Min - 3 years
      Max - 65 years
      1 lakh to 1 crore 30 days 28 days
      Kotak Mahindra Secure Shield Plan Min – 18 years
      Max - 65 years
      10,000 to 20 crore 90 days -
      Liberty Critical Connect Plan Min – 5 years
      Max – 65 years
      1 lakh to 1 crore 90 days 30 days
      Magma HDI OneHealth Insurance Plan Min – 91 days
      Max – No age limit
      2 lakh to 3 crore 90 days 30 days
      ManipalCigna Lifestyle Protection - Critical Care Plan Min – 18 years
      Max – 65 years
      1 lakh to 25 crore 90 days 30 days
      National Critical Illness Policy Min – 5 years
      Max - 65 years
      1 lakh to 75 lakh 90 days 30 days
      New India Assurance Criti Protect Policy Min - 18 years
      Max - 65 years
      5 lakh to 50 lakh 90 days No survival period
      Niva Bupa Health Assurance Plan Min – 18 years
      Max – 65 years
      3 lakh to 3 crore 90 days 30 days
      Oriental Critical Illness Plan Min – 18 years
      Max – 65 years
      2 lakh to 50 lakh 90 days 30 days
      Reliance Critical Illness Plan Min - 18 years
      Max - 65 years
      5 lakh, 7 lakh, 10 lakh 90 days 60 days
      Royal Sundaram Critical Illness Lumpsum Plan Min – 91 days
      Max – 65 years
      25,000 to 25 lakh 90 days 30 days
      SBI Critical Illness Insurance Policy Min - 18 years
      Max - 65 years
      2 lakh to 50 lakh 90 days 28 days
      Star Critical Illness Multipay Insurance Plan Min - 18 years
      Max - 65 years
      5 lakh to 25 lakh 90 days 15 days
      Tata AIG Criti MediCare Plan Min - 18 years
      Max - 65 years
      5 lakh to 2 crore 90 days 7 days, 15 days
      United India UNI CritiCare Plan Min – 21 years
      Max - 65 years
      1 lakh to 10 lakh 90 days 30 days
      Universal Sompo Critical Illness Insurance Plan Min – 5 years
      Max - 65 years
      2.5 lakh to 20 lakh 90 days 30 days
      See More Plans

      Inclusions of Health Insurance for Liver Transplant

      Liver transplant insurance coverage in India includes the following:

      • Lump sum payment on treating doctor's recommendation for a liver transplant surgery
      • Second e-opinion
      • Ambulance charges
      • ICU benefit
      • Daily hospital allowance
      • Compassionate visit
      • Nursing allowance
      • Wellness programs
      • Child education benefit
      • Health check-up benefit

      Exclusions of Health Insurance for Liver Transplant

      Health insurance for liver transplant excludes the following:

      • Stem cell transplants
      • Transplantations of islets of Langerhans
      • Liver failure secondary due to alcohol or drug abuse
      • Non-allopathic treatments
      • Unproven treatments
      • Self-inflicted injuries
      • Injuries due to participation in adventure sports

      Tips to Prevent Liver Transplant Surgery

      Follow the tips given below to prevent liver failure and, in turn, a liver transplant surgery:

      • Eat a balanced diet rich in nutrients
      • Avoid excessive consumption of alcohol
      • Maintain a healthy body weight by exercising regularly
      • Avoid taking unnecessary medications
      • Take medicines only in the prescribed dosage
      • Undergo a liver disease screening test regularly
      • Take the hepatitis B vaccine to prevent the risk of a liver disease

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