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Organ donation gives a new lease of life individual battling a life-threatening medical condition. Thanks to medical advancements, the success rate of major organ transplant surgery has increased.
Organ transplant refers to a medical procedure conducted to save a patient's life with terminal organ failure. The process involves removing an organ from a donor's body and placing it into the patient's (recipient) body.
At Care, we offer organ donor cover under different health insurance plans. Having a health cover has become essential these days. Firstly, a health policy serves as a financial safety cushion for a family’s income against unexpected medical expenses. Secondly, buying a customized, disease-specific health cover eliminates the burden of expensive medical treatment.
Let's get into its details and the various benefits.
Organ donor cover is a feature available under the health insurance policy that offers coverage to the policyholder up to a specified limit for the organ donor expenses. This policy will provide coverage for the in-patient hospitalization and surgery-related expenses for the patient.
Below are the benefits of having a medical insurance policy with organ cover:
Organ transplant is a complicated procedure as the doctors have to ensure there is a right match between the recipient and donor. This surgery increases the chances of survival of a patient. Some examples of major organ transplant and their average expenses are listed below:
Organ Transplant | Expected Cost (Approx.) in India |
Liver Transplant | Rs 15 Lakh - 35 Lakh |
Heart Transplant | Rs 20 Lakh - 25 Lakh |
Kidney Transplant | Rs 5 Lakh -20 Lakh |
Cornea transplant | Rs 50,000 - Rs 1 Lakh |
Medical conditions, such as diabetes and hypertension, are quite common and have affected millions of people. If gone unchecked, they can turn into a severe ailment. These health covers are beneficial for those who are suffering from life-threatening diseases.
Organ donor cover does not include the pre-hospitalization and post-hospitalization medical expenses for the donor.
When buying health policy with organ donor cover, consider the below tips:
Cashless Facility: This facility is extremely beneficial as there is no need to pay for medical bills from your pocket. Using a health card, you can avail of treatment at a network hospital. We settle the expenses directly with the hospital, subject to policy terms and conditions.
Reimbursement Facility: If you choose to avail of treatment at a non-network hospital, you have to pay the medical bills during the discharge from the hospital, and later you can file for a reimbursement facility.
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Considering the rising incidences of life-threatening diseases organ donor cover is a must. Our critical illness insurance policy saves you from a financial impact by covering the expenses resulting from organ transplant. You can avail of quality healthcare at any of our 22900+ cashless healthcare providers in India and experience a cashless treatment facility stress-free.
Disclaimer: Underwriting of claims for Organ Transplant is subject to policy terms and conditions.
Published on 13 Nov 2024
Published on 13 Nov 2024
Published on 13 Nov 2024
Published on 12 Nov 2024
Published on 12 Nov 2024
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