Written by:
Aathira Ayyappan
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Comprehensive Coverage: 5 Private Health Insurances That Cover Major Organ Transplants
Comprehensive Coverage: 5 Private Health Insurances That Cover Major Organ Transplants
These insurance policies not only provide financial support for the transplantation procedure but also cover pre and post-operative care. This means that individuals and families facing the daunting prospect of organ transplantation can now find relief in the form of comprehensive insurance coverage from reputable private health insurance providers.
These insurance policies not only provide financial support for the transplantation procedure but also cover pre and post-operative care. This means that individuals and families facing the daunting prospect of organ transplantation can now find relief in the form of comprehensive insurance coverage from reputable private health insurance providers.
Published on: 21 August, 2023
Published on: 21 August, 2023
Private health insurance companies in India are now stepping up to provide coverage for major organ transplants, offering a ray of hope to those in need. With advancements in medical science, organ transplants have become a viable solution for many critical conditions. From heart transplants to kidney transplants and more, these insurance companies provide financial security and peace of mind to individuals facing the challenge of major organ transplantation.
Different policies cover different types of expenses. Some of the popular insurance policies for organ transplant patients in India include:
1. Star Critical Illness Multipay Insurance Policy by Star Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
Provides a lump-sum amount on the diagnosis of 4 groups of Critical Illnesses covered in the policy. Covers major organ transplantation of lung, liver, kidney, and pancreas.
Sum Insured
INR 5 lakhs to INR 1 crore
Premium
Starts at INR 447 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
- No pre-medical screening is required to take the policy if the person proposed for insurance is up to and inclusive of 50 years of age.
Waiting period and survival requirement
- The first diagnosis of a covered major disease/condition should have been experienced by the insured only after 90 days of commencement of cover under the policy.
- The insured person should have survived up to 15 days from the date of diagnosis of such a major disease.
Know more
2. Niva Bupa’s Critical Illness Insurance Plan by Niva Bupa Health Insurance (formerly Max Bupa)
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
It provides a lump sum amount which can be used for expenses like doctor visits, diagnosis, medical expenses, and hospitalisation in the case of major organ transplants.
Covers all hospitalisation expenses
- Pre & post hospitalisation expenses also included
Sum Insured
INR 3 lakhs to INR 2 crores.
Premium
Starts at INR 393 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
A 90 days initial waiting period along with the pre-existing disease waiting period of 4 years and survival period exclusion of 30 days will apply for all conditions.
Know more
3. HDFC ERGO’s Critical Illness Plan by HDFC ERGO Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
It offers a lump sum amount that can be used for treatment, care, and recovery in case of major organ transplants.
Sum Insured
INR 5 lakhs to INR 20 lakhs
Premium
Starts at INR 1090 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
- They will entertain all claims post the waiting period of 90 days.
- The patient should survive for at least 30 days even if they are diagnosed with an illness requiring a transplant, as listed in the insurance cover.
Know more
4. Bharti AXA Life Triple Health Insurance by Bharti AXA Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
Under the Plan, you can get 100% of the sum assured for a major organ transplant anytime during the policy term of 15 years
Sum Insured
INR 2 lakhs to INR 30 lakhs.
Premium
Starts at INR 5,945 annually
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
- They will entertain all claims post waiting period of 90 days.
- Survival period is 30 days from the date of diagnosis of illnesses requiring an organ transplant.
Know more
5. TATA AIG’s Critical Illness Insurance by TATA AIG Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
- Covers the major organ transplantation cost in the case of irreversible end-stage organ damage.
- The plan also covers the donor’s medical and surgical expenses, and in-hospitalisation expenses.
Sum Insured
INR 2.5 lakhs to INR 15 lakhs
Premium
Starts at INR 697 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
They will entertain all claims post waiting period of 30 days, unless it is an emergency.
The waiting period for specific conditions will be 24 months. Any pre-existing condition will be covered after a waiting period of 48 months.
Survival period is 30 days from the date of diagnosis of illnesses requiring an organ transplant.
Know more
Private health insurance companies in India are now stepping up to provide coverage for major organ transplants, offering a ray of hope to those in need. With advancements in medical science, organ transplants have become a viable solution for many critical conditions. From heart transplants to kidney transplants and more, these insurance companies provide financial security and peace of mind to individuals facing the challenge of major organ transplantation.
Different policies cover different types of expenses. Some of the popular insurance policies for organ transplant patients in India include:
1. Star Critical Illness Multipay Insurance Policy by Star Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
Provides a lump-sum amount on the diagnosis of 4 groups of Critical Illnesses covered in the policy. Covers major organ transplantation of lung, liver, kidney, and pancreas.
Sum Insured
INR 5 lakhs to INR 1 crore
Premium
Starts at INR 447 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
- No pre-medical screening is required to take the policy if the person proposed for insurance is up to and inclusive of 50 years of age.
Waiting period and survival requirement
- The first diagnosis of a covered major disease/condition should have been experienced by the insured only after 90 days of commencement of cover under the policy.
- The insured person should have survived up to 15 days from the date of diagnosis of such a major disease.
Know more
2. Niva Bupa’s Critical Illness Insurance Plan by Niva Bupa Health Insurance (formerly Max Bupa)
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
It provides a lump sum amount which can be used for expenses like doctor visits, diagnosis, medical expenses, and hospitalisation in the case of major organ transplants.
Covers all hospitalisation expenses
- Pre & post hospitalisation expenses also included
Sum Insured
INR 3 lakhs to INR 2 crores.
Premium
Starts at INR 393 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
A 90 days initial waiting period along with the pre-existing disease waiting period of 4 years and survival period exclusion of 30 days will apply for all conditions.
Know more
3. HDFC ERGO’s Critical Illness Plan by HDFC ERGO Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
It offers a lump sum amount that can be used for treatment, care, and recovery in case of major organ transplants.
Sum Insured
INR 5 lakhs to INR 20 lakhs
Premium
Starts at INR 1090 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
- They will entertain all claims post the waiting period of 90 days.
- The patient should survive for at least 30 days even if they are diagnosed with an illness requiring a transplant, as listed in the insurance cover.
Know more
4. Bharti AXA Life Triple Health Insurance by Bharti AXA Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
Under the Plan, you can get 100% of the sum assured for a major organ transplant anytime during the policy term of 15 years
Sum Insured
INR 2 lakhs to INR 30 lakhs.
Premium
Starts at INR 5,945 annually
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
- They will entertain all claims post waiting period of 90 days.
- Survival period is 30 days from the date of diagnosis of illnesses requiring an organ transplant.
Know more
5. TATA AIG’s Critical Illness Insurance by TATA AIG Health Insurance
Coverage
Sum Insured
Premium
Eligibility
Waiting period and survival requirement
Know more
Coverage
- Covers the major organ transplantation cost in the case of irreversible end-stage organ damage.
- The plan also covers the donor’s medical and surgical expenses, and in-hospitalisation expenses.
Sum Insured
INR 2.5 lakhs to INR 15 lakhs
Premium
Starts at INR 697 per month
Eligibility
- Any person aged between 18 and 65 years can avail of this policy.
Waiting period and survival requirement
They will entertain all claims post waiting period of 30 days, unless it is an emergency.
The waiting period for specific conditions will be 24 months. Any pre-existing condition will be covered after a waiting period of 48 months.
Survival period is 30 days from the date of diagnosis of illnesses requiring an organ transplant.
Know more
If you find that you are not eligible to benefit from private insurance, medical crowdfunding is also an option that is available to you. In times of need, support means everything, and with Milaap, you need not look any further. Milaap enables you to set up a fundraiser for any medical emergency within minutes, and you can easily raise funds for treatment expenses.
Do you know someone who could benefit from fundraising? Simply refer them to us and we’ll be happy to lend a hand.
Visit www.milaap.org or call us on +91 9916174848 to get started now.
For more information, write to us at cx@milaap.org.
If you find that you are not eligible to benefit from private insurance, medical crowdfunding is also an option that is available to you. In times of need, support means everything, and with Milaap, you need not look any further. Milaap enables you to set up a fundraiser for any medical emergency within minutes, and you can easily raise funds for treatment expenses.
Do you know someone who could benefit from fundraising? Simply refer them to us and we’ll be happy to lend a hand.
Visit www.milaap.org or call us on +91 9916174848 to get started now.
For more information, write to us at cx@milaap.org.
Written by:
Aathira Ayyappan
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