Organ Transplant Coverages Under Health Insurance Policy
Updated On Feb 15, 2024
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In organ transplantation, an organ is removed from the body of one individual and placed into another’s body. Beneficial for people suffering from health issues owing to damaged or missing organs, organ transplantation is carried out on the lungs, heart, pancreas, kidneys, liver, and intestine. Recent developments in the field of technology have also put face and body in the picture.
Needless to say, organ transplantation is quite an expensive procedure. The cost for organ transplantation can range approximately between Rs. 5 Lakhs to Rs. 20 Lakhs. As the sum is huge, most people can't avail of treatment for organ transplants without sacrificing their savings or selling their assets. Therefore, it is beneficial to opt for health insurance for organ transplantation. Having a health insurance policy covering organ transplant costs helps one not only secure their financial condition but also avail proper treatment without compromising on treatment quality or taking any kind of stress.
Expenses Incurred Organ Transplantation
It is extremely important to understand that during organ transplantation, there are numerous expenses that one has to deal with. While many expenses are covered under a health insurance policy, many are not. Which health insurance policy covers for which types of expenses and up to what limit is something that varies from company to company.
Now that the number of organ transplant surgeries is increasing in India at a rapid pace, many health insurance companies have their health insurance policies covering expenses incurred by both, donor and recipient in organ transplant.
Below mentioned is the list of key expenses incurred during organ transplant surgery:
1. Organ Screening Expenses
Before starting the actual hospitalisation for an organ transplant, the right organ for the patient must be found. During the organ screening process, several steps to find the right organ are carried out, thereby making the process quite expensive.
2. Expenses Before Hospitalisation
On finding the person with the right organ, the person undergoing the transplantation is brought to an accurate medical condition with the help of medicines. This step is very expensive and falls under pre-hospitalisation expenses.
3. Expenses During Hospitalisation
The hospitalisation expenses include the fees of doctors, nurse charges, and room rent as well.
4. Expenses for the Organ Transplant Surgery
This is the actual procedure of the surgery. It includes the cost of surgery and the fees of the surgeon.
5. Expenses During Monitoring & Post-surgery Hospitalisation
Once the surgery is complete, the recipient and donor, are monitored and their condition is taken note of.
6. Expenses During Rectification of Post-surgery Complications
Post-surgery complications are extremely common. Handling the complications is usually an expensive procedure.
The expenses discussed are the basic expenses, which every health insurance company should cover under their policy covering organ transplants.
It is also important to note that most health insurance companies put various restrictions on the expenses and provide coverage only for hospitalisation.
Check Before Buying Health Policy with Organ Transplant Coverage
When looking forward to purchasing a health insurance policy with organ transplant coverage, do not forget to check:
1. Whether the plan provides comprehensive coverage against all the incurred expenses or not.
2. Whether the policy covers the expenses incurred on medicines, expensive drugs, ambulance charges, and other charges like such.
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Conclusion
If you think buying a health insurance policy covering organ transplants would be a must for you, make it a point to read the policy wording carefully. A detailed study of the health insurance policy you are considering will help you identify whether it would be a worthy purchase or not.
In case, you find a health insurance plan perfect as per your needs, go ahead and buy it without giving it a second thought. Rest assured, it would be a big support for you and your family.
Disclaimer: This article is issued in the general public interest and is meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive and should research further or consult an expert in this regard.
