How A Health Insurance Cover Helps You With Organ Transplantation | Bharti AXA


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How A Health Insurance Cover Helps You With Organ Transplantation

In India, nearly 5,00,000 people die because of the unavailability of an organ every year.  Imagine a situation where one of your family members is battling a severe illness, and the only way to overcome it is to replace the dysfunctional organ. The number of deaths due to organ failure has reduced thanks to the incredible advancements in medical science that now enable us to replace organs that are not functioning. You then apply for an organ transplant. However, the cost of transplantation of an organ is enormous as it includes its own set of complications and risks. According to data, transplants can cost between 1.5 lakh to 36 lakhs, which is an expensive proposition for most of us.

Many health insurance plans have an in-built organ donation cover to help protect your savings.

Expenses In Organ Transplantation

Here are some areas under which you will be spending for an organ transplant:

  • Organ Screening

The first step is to find the right organ that will suit the patient before hospitalization for an organ transplant. There are many factors to consider while finding the right organ to replace the malfunctioning one, and finding the right donor is expensive.   

  • Pre-Hospitalization expenses

After they find the most suitable organ to transplant from the right donor, the person undergoing surgery will need to be in the proper medical condition with drugs and pre-surgery preparation.

  • Hospitalization Charges

The hospitalization period of transplant cases is usually between 7 to 40 days, which in turn may increase your total medical expenses. Hospitalization expenses include general expenses such as room charges, nurse, and doctor’s fee.

  • Organ transplant surgery


 The complicated and risky process of the actual organ transplant between the donor and recipient is quite expensive.


  • Post-surgery hospitalization, monitoring

 After the surgery, the recipient cannot pick up his bag and leave the hospital. He or she will be under observation for various situations, to judge the stability of the organ for the patient to live a healthy life.


  • Rectification of complications arising out of surgery


Sadly, there have been many cases wherein the surgery was successful, but the patient develops any new symptoms, or the organ gets rejected by the body. Rectifying these problems is an arduous and complicated process, and may double or even triple the entire bill.  


The above procedure is undoubtedly a challenging task to perform and therefore adds up to a significant amount.


Health Insurance Can Help Ease the Organ Transplant Journey

Health insurance policy includes all diagnosed conditions, procedures, surgeries, treatments that require hospitalization, as per the policy terms. So in case of the patient in need of an organ, health insurance policies are relatively clear that they would cover the cost of surgery as well as tests and procedures involved with getting an organ transplant up to the sum insured.  


With the uncertainties of life, it is essential to have comprehensive health insurance that keeps you financially prepared for any medical emergency. Health insurance plans from reputable insurers give your family all-round protection, including organ transplant insurance cover, which aids you with the transplant expenses up to the Sum Insured.


You never know what challenges await you. It is vital to invest in health insurance

to take care of the financial aspects related to a medical crisis. There is a wide gap between the number of organs required and the organs available for a transplant. This leads to an off-balance, which is the reason for such high costs. Health insurance can be beneficial, given the massive rates.