Scope Of Health Insurance For Organ Recipient, Donor

People are becoming more and more aware about life saving organ transplants these days, but cost of such surgeries is very high. Hence, it is essential to know what kind of coverage a health insurance plan offers. Having a health insurance plan will ensure that you don’t have to worry about your finances before giving your assent to a possibly life saving organ transplant surgery.

At present, most general insurers cover organ transplant surgeries as part of their regular policies. They also cover organ donor’s expenses, some reimburses the entire cost, while others place caps on these expenses or offer it as add-on cover.

Any organ transplant entails two people having to undergo surgeries –insured recipient and the organ donor. All hospitilisation expenses medical, surgical as well as pre- and post-hospitilisation -incurred by the recipient are covered under the policies. Expenses incurred on organ donor for harvesting- that is surgery and storage of organ – are covered. The treatment expenses of the former will be fully paid for up to the sum insured of his policy, but cover of donor expenses depends on the insurer.

Organ donor cover includes hospitilisation expenses for the donor up to the specified limit. Provided that the organ is donated to the insured and the claim is admissible as per the terms and conditions of the health policy, there is no specific exclusion.

However, typical exclusions include cost of screening the donor, post- surgical complications and donor’s pre- and post-hospitilisation costs.

Posted by Akanksha Jain, In News, With No Comments