Financial Assistance Options for Organ Transplants in India

Written by:

Anoushka Pinto

Organ transplants in India are a real lifeline for many patients, but they can also hit families hard in the wallet. The price tag for organ transplants can vary significantly. Kidney transplants, for example, can cost anywhere between ₹5 to ₹10 lakhs. Liver transplants fall between ₹15 to ₹35 lakhs, and heart transplants can even go over ₹25 lakhs (Source: The Times of India). These staggering costs put a lot of pressure on families, often forcing them to sell off their assets, take loans, or seek help from the community. 

 

According to a Hindustan Times news report, less than 5% of the Indian population can actually afford the hefty expenses that come with organ transplants. This highlights a major financial strain on families, which makes it clear that there is a pressing need for accessible financial aid to help patients who are going through these life-saving procedures.

 

In this article, we have collated a list of financial aid options available to ease access to organ transplants and treatments for organ failure.

Need help covering organ transplant costs?

State Government schemes

To tackle the financial challenges of organ transplants, state governments across India have come up with specific schemes to help out patients. These schemes aim to cover a big chunk of the medical expenses, making transplants more accessible to folks who may not have much moolah. These government efforts are crucial in bridging the gap between the steep costs of transplants and what patients’ families can actually afford.

Telangana

Government schemes here include:

 

 

Click here to read more about these schemes.

West Bengal

Government schemes here include:

  • West Bengal Government Hospitals
  • Swasthya Sathi Health Card
  • Kolkata Swasthya Sankalp

Click here to read more about these schemes.

Uttar Pradesh

Government schemes here include:

  • Chief Minister's Relief Fund For Medical Care
  • Awadh International Foundation (NGO/Trust)

Click here to read more about these schemes.

Gujarat

Government schemes here include:

  • BPL Scheme
  • SC and ST Scheme
  • Low Income Group (LIG) Scheme
  • CM Relief Fund

Click here to read more about these schemes.

Andhra Pradesh

Government schemes here include:

  • Dr YSR Arogyasri Scheme

Click here to read more about these schemes.

Assam

Government schemes here include:

 

  • Snehasparsha - A Healthcare Initiative For Children
  • Susrusha - Financial Assistance For Kidney Transplantation
  • SUHRID MLA Development Fund For Health and Education

 

Click here to read more about these schemes.

 

Bihar

Government schemes here include:

 

 

Click here to read more about these schemes.

Chhattisgarh

Government schemes here include:

 

 

Click here to read more about these schemes.

Goa

Government schemes here include:

 

  •  Deen Dayal Swasthya Seva Yojana (DDSSY)

 

Click here to read more about these schemes.

Haryana

Government schemes here include:

 

  • The Deep Chand Dialysis Centre Unit (DCDC)

 

Click here to read more about these schemes.

Jammu & Kashmir

Government schemes here include:

 

  • Pradhan Mantri Jan Arogya Yojna (PMJAY) - SEHAT Scheme

 

Click here to read more about these schemes.

Kerala

Government schemes here include:

 

  • Karunya Arogya Suraksha Padhathi (KASP)
  • Chief Minister’s Relief Fund
  • Kerala Social Security Mission
  • Santhi Medical Information Centre (NGO/TRUST)
  • Liver Foundation of Kerala (NGO/TRUST)
  • Muthoot Foundation (NGO/TRUST)
  • Joyalukkas Foundation (NGO/TRUST)
  • K Chittilappilly Foundation (NGO/TRUST)

 

Click here to read more about these schemes.

Karnataka

Government schemes here include:

 

 

Click here to read more about these schemes.

Madhya Pradesh

Government schemes here include:

 

  • CM Relief Fund

 

Click here to read more about these schemes.

Maharashtra

Government schemes here include:

 

  • Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)
  • Chief Minister’s Relief Fund (CMRF)
  • Karo Trust (NGO/Trust)
  • Siddhivinayak Trust (NGO/Trust)
  • Tata Trusts (NGO/Trust)

 

Click here to read more about these schemes.

Manipur

Government schemes here include:

 

  • Chief Minister Hakshelgi Tengbang Scheme

 

Click here to read more about these schemes.

Meghalaya

Government schemes here include:

 

 

Click here to read more about these schemes.

Odisha

Government schemes here include:

 

  • Biju Swasthya Kalyan Yojna (BSKY)

 

Click here to read more about these schemes.

Rajasthan

Government schemes here include:

 

  • Mukhyamantri Chiranjivi Swasthya Bima Yojna

 

Click here to read more about these schemes.

Tamil Nadu

Government schemes here include:

 

  • Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS)
  • TANKER Foundation (NGO/Trust)

 

Click here to read more about these schemes.

Uttarakhand

Government schemes here include:

 

  • Atal Ayushman Uttarakhand Yojana (AAUY)

 

Click here to read more about these schemes.

Need help covering organ transplant costs?

Non-Governmental Organisations

Non-Governmental Organizations (NGOs) lend a helping hand by providing financial aid, logistical support, psychological support and post-operative care. These organisations are the driving forces when it comes to raising funds, spreading the word about organ donation, and making sure donors and recipients are a match. Their hard work lightens the financial strain on patients’ families and makes it easier for them to get the medical care they need.

NGO Aid For Liver Transplant For Middle-Class Families In India

Organisations here include:

 

  • The Pravin Agarwal Foundation
  • Love Your Liver Foundation
  • Indian Liver Trust
  • MOHAN Foundation
  • Organ India

 

Click here to read more about these NGOs.

Pan India NGO Funding Sources for Transplants

Organisations here include:

 

  • 'Help The Poor' Foundation
  • The Pravin Agarwal Foundation
  • MOHAN Foundation's Anudaan
  • The Hans Foundation
  • TANKER Foundation
  • TANKER Foundation (BPL)

 

Click here to read more about these NGOs.

Insurance Policies

When it comes to planning for healthcare in India, insurance policies for organ transplants are becoming more and more important. With the skyrocketing costs of medical treatments, comprehensive health insurance plans often include coverage for organ transplant procedures. These policies are designed to lighten the financial load on patients’ by covering most of the surgical and post-operative expenses. 

 

When considering an organ transplant policy, it’s important to carefully review what is and isn’t covered due to the surgery’s critical nature. Click here to learn about the key factors to consider when selecting a health insurance policy that includes organ transplant coverage.

Private Health Insurances That Cover Major Organ Transplants

Policies here include:

 

  • Star Critical Illness Multipay Insurance Policy by Star Health Insurance
  • Niva Bupa’s Critical Illness Insurance Plan by Niva Bupa Health Insurance (formerly Max Bupa)
  • HDFC ERGO’s Critical Illness Plan by HDFC ERGO Health Insurance
  • Bharti AXA Life Triple Health Insurance by Bharti AXA Health Insurance
  • TATA AIG’s Critical Illness Insurance by TATA AIG Health Insurance

 

Click here to read more about these policies.

Need help covering organ transplant costs?

The financial burden of organ transplants in India is no doubt a significantly huge challenge, causing great stress and agony for families going through it. But state government schemes, NGO aid and comprehensive insurance policies can help alleviate this financial strain.  

 

Crowdfunding platforms like Milaap have become a game-changer in raising funds, in recent times, letting families tap into the generosity of a wider community and making sure that the lack of funds don’t get in the way of life-saving treatments. Together, these options create a solid support network, making organ transplants more accessible and affordable for those who need them.

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.


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