Are You Covered For Transplants?
Medical science has advanced significantly in the last few years to change the quality as well as expectancy of life. A milestone achievement in medical sciences is the transplantation of organs from one body to another to save lives. It is now increasingly heard how a person’s life is being saved by transplanting organs like kidneys, heart, lungs, liver, pancreas, etc.
While the number of organ transplantations is increasing; it must also be realized that it is a complicated process that has a considerable cost attached to it. Foremost, the process involves two complex surgeries. One is of the organ donor, and the other is of the organ recipient. Before transplantation can take place, several tests are conducted to decide whether the donor and recipient are compatible with organ transplantation. There is plenty of post-medical care required afterward as well.
The scenario gives you an insight into the mammoth cost involved in the entire procedure. In India, the organ transplantation is considered under critical illness. Depending on the organ to be transplanted, the total cost of the procedure can fall from anything between Rs.5 lakhs and Rs.30 lakhs. The value can even shoot up higher depending upon the health of the parties involved.
Due to the extremely high cost involved, many insurance providers are reluctant to cover it under the health policy offered by them. They cover the recipient’s expenses but not the donor’s as he does not fall under any illness bracket. However, some insurance providers do offer coverage to policyholders on donor’s costs as well but with conditions and limitations. Few worth mentioning names in this regard are HDFC Ergo, Religare, Apollo Munich, Max Bupa, and Bharti AXA.
Medical expenses incurred from an organ donor’s perspective
Most health policies provide comprehensive coverage to the organ recipient. However, the organ donor remains at stake as he cannot showcase any pre-existing disease for which the surgery is carried out. Thus, let’s throw light on the medical expenses from a donor’s perspective. There are six types of medical costs involved here. They are:
- Fees for tests for screening the organ for compatibility.
- The pre-hospitalization cost in which the donor has to undergo all required tests and medications before he is hospitalized.
- Certain costs need to be incurred post hospitalization of the donor like room rent, nursing cost, etc.
- The cost of actual organ transplantation surgery and fees of the surgeon.
- Post-surgery recovery where complication chances are quite high. Thus, donor almost inevitably has to overstay in the hospital with increased medicines and recovery cost.
- The final expense is the post-hospitalization cost of the donor like follow-up checkups, medication, etc.
Presently, no insurance company in India bears the pre and post hospitalization costs of the donor. They also do not bear any cost of post-surgery complications and recovery.
Selecting the right policy covering organ transplants .
Generally, the insurance policy restricts to an ad-hoc amount that can be a certain percentage of sum assured or a specified amount. The table below can give you a great insight.
Buying the right policy can undoubtedly limit your anxiety.
The critical illness policy offered by HDFC Ergo differs from its conventional indemnity Health Insurance Plan. Here, as soon as you are diagnosed with organ transplantation, you will receive the amount equivalent to your sum insured from the insurance provider. You can put this money to any use. It becomes highly advantageous when you have a regular health insurance plan as well. Your hospitalization cost and other costs can be well taken care of by your regular medical insurance and post it; the critical illness policy would fund the remaining deficit. Finally, both the recipient and the donor would get covered with an extremely light burden on their pockets. It makes the entire deal sweet. The fact that the premium amount is always pocket-friendly eliminates your concerns for not opting for the policy.
Organs have a vital role to play in our body. With organ transplantation fast becoming the norm of the day; it is advisable to buy an insurance plan that helps you afford its enormous cost without you going down the drain. However, you must be aware of the details of the policy before you commit to it.