Transplant Expenses Included and Excluded in a Health Cover
Off course, it also depends on the condition of the patient and the hospital they have chosen. The sensible thing to do is to take an insurance policy so it doesn't affect your financial situation if the need arises for a transplant.
If the recipient is a policy holder, most expenses to the sum insured are covered. But an organ transplant involves two people, donor and recipient. In a donor's case, even if he has a health insurance policy, expenses may not be reimbursed since this is not a health condition for him. Some companies only cover the inpatient hospital expenses of a donor.
Expenses incurred on organ harvesting and surgery is admissible under organ donor coverage.
Some insurers provide the donor cover to the extent of the sum insured. Then, there are products that do not cover organ donor expenses as part of the main cover, but offer it as an add-on. Pre- and post-hospitalisation of the donor as well as screening expenses are not covered. Any complications arising consequent to harvesting, will also not be payable.
It is advised to have a thorough look at the policy before taking it up to know what all will be covered for both the donor and the recipient.
HDFC LIFE offers health plans for its patrons to have a cover in case of any such event. You can choose a plan depending on your medical condition.
Term Plan Articles
Investment Articles
Savings Articles
Life Insurance Articles
Tax Articles
Retirement Articles
ULIP Articles
Subscribe to get the latest articles directly in your inbox
Health Plans Articles
Child Plans Articles
Popular Calculators
Here's all you should know about life insurance.
We help you to make informed insurance decisions for a lifetime.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
Popular Searches
- Term Insurance Calculator
- Investment Plans
- Investment Calculator
- Investment for Beginners
- Best Short Term Investments
- Best Long Term Investments
- 5 year Investment Plan
- savings plan
- ulip plan
- retirement plans
- health plans
- child insurance plans
- group insurance plans
- income tax calculator
- bmi calculator
- compound interest calculator
- income tax slab
- Income Tax Return
- what is term insurance
- Ulip vs SIP
- tax planning for salaried employees
- HRA Calculator
- Annuity From NPS
- Retirement Calculator
- Pension Calculator
- nps vs ppf
- short term investment plans
- safest investment options
- one time investment plans
- types of investments
- best investment options
- best investment options in India
- Term Insurance for Housewife
- Money Back Policy
- 1 Crore Term Insurance
- life Insurance policy
- NPS Calculator
- Savings Calculator
- life Insurance
- Gratuity Calculator
- Zero Cost Term Insurance
- critical illness insurance
- itc claim
- deductions under 80C
- section 80d
- Whole Life Insurance
- benefits of term insurance
- types of life insurance
- types of term insurance
- Benefits of Life Insurance
- Endowment Policy
- Term Insurance for NRI
- Term Insurance for Women
- Term Insurance for Self Employed
- Benefits of Health Insurance
- Health Insurance for Senior Citizens
- Health Insurance for NRI
- Best Term Insurance Plan for 1 Crore
- personal accident insurance
- Annuity Calculator