Health Insurance for Organ Transplant Surgeries

HEALTH INSURANCE PLANS


Health Insurance for Organ Transplant Surgeries

Health Insurance Cover for Organ Transplant

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. 

What is Organ Donor Cover?

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.    

Benefits of Health Insurance with Organ Cover

Below are the benefits of having a medical insurance policy with organ cover:

  • Cover exorbitant medical expenses of organ transplant surgeries 
  • Cashless or reimbursement facility up to the specified amount incurred by you towards your organ donor
  • Tax benefit under section 80D of the Income Tax Act 1961

Need for Health Insurance with Organ Donor 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 Exclusion

Organ donor cover does not include the pre-hospitalization and post-hospitalization medical expenses for the donor.

Tips for Buying Health Insurance with Organ Donor Cover

When buying health policy with organ donor cover, consider the below tips:

  • Read the policy documents to understand what is included and excluded under the cover. 
  • Select the amount of sum insured, keeping the estimated treatment costs in mind. 
  • Check network hospitals near your location to ensure easy access to quality medical care. 
  • The premium of such types of policies would depend on various factors such as age, amount of coverage, etc
  • Look for other benefits such as annual health check-ups, which prove helpful since timely medical tests are crucial to identifying potential health complications.   
  • Notify our customer support team within the specified time frame so that there is no hassle in getting the claim. 
  • Check the claim settlement under health insurance with organ donor cover. You can avail it in two ways:

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. 

>> Also read 6 Habits that are Bad for your Heart

Conclusion

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.

View Our Editorial Policy


GET FREE QUOTE

+91 verified
Please enter a valid mobile number
Please enter a valid Full Name
I have read and agree to the Terms & Conditions
Please select terms and conditions
Get updates on WhatsApp
CALCULATE PREMIUM

Articles By Category

Health Insurance Articles
Family Family
Senior Citizens Senior Citizens
Maternity Maternity
Surgery Surgery
Heart Heart
Tax & Investments Tax & Investments
Lifestyle Lifestyle
Awareness Days Awareness Days
Child Care Child Care
Money Saving Tips Money Saving Tips
Festive Days Festive Days
Covid-19 Covid-19
Travel Insurance Articles
International International
Student Student
Travel Tips Travel Tips
Visa Visa
Passport Passport
Insurance Guide
Health Health
Travel Travel

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

+91
verified

Reach for us at

Sales:

phone1800-102-4499

Services:

whatApp Icon8860402452


chat_bubble
Live Chat
;