Today, you can buy health insurance to cover almost all medical treatments and procedures, including organ transplant surgery. Organ transplantation surgery is a medical procedure in which an organ is removed from the donor’s body and placed into the recipient’s body. Such transplants can get very expensive, and this is where health insurance can be of immense help. Let’s learn more about the expenses involved and how health insurance with organ transplantation cover can help.

What are the expenses incurred during organ transplant surgery?

While opting for an organ transplant surgery, you have to shell out money for various expenses on medicines, drugs, ambulance travel, etc. Here is a quick look at the main costs incurred during an organ transplant:

• Expenses in finding an organ that is a suitable match

• Pre–hospitalisation costs to check donor health

• Hospitalisation charges such as the cost of the procedure, fees of the doctors, etc.

• Post–surgery costs for monitoring the donor and recipient’s condition

• Rectification of post–surgery complications, if any

There may be further expenses involved, depending on each patient’s unique health requirements. It is important to read the fine print of your health insurance policy to ensure that you will get the coverage you need.

Health insurance for organ transplants

The expenses for an organ transplant surgery can run into several lakh rupees and hardly anyone can spare that much liquid cash. In this case, having health insurance with organ transplantation cover can truly save the day.

If expenses for an organ transplantation are included in health insurance, you can expect coverage for pre– and post–hospitalisation care, hospital room rent, consumables, surgery charges, and doctor’s fees, among other costs. Do check with your insurer whether the expenses are covered for both the donor and the recipient. Lack of coverage for the donor often discourages many from coming forward to save a life.

When buying your health insurance policy, make sure to check the complete list of organ transplants that are covered. Insurers generally offer coverage for all major organs, including the heart, pancreas, and kidneys.

Critical illness insurance

You can also opt to buy critical illness insurance for coverage for organ transplant surgery. With a critical illness insurance policy, you receive a lump sum amount as soon as you are diagnosed with the need for an organ transplant. This lump sum amount can be used by you for any expenses that arise during the course of your treatment. You can also use it for other financial obligations that may arise if you need to stop working while you receive life–saving medical care.

You can either get a standalone critical illness insurance plan or opt for a critical illness rider added to your health insurance. Do note that the critical illness insurance payout is only made if you fulfil the insurer’s requirements for survival period and waiting period.

Now that you know more about organ transplant cover in health insurance, you can pick the policy that can take care of your medical needs. Make sure to read the policy sub–limits to know the extent of coverage you will receive.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.