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When an organ of your body fails to perform, it need transplantation to re-start normal functioning of the organ. Organ transplantation is a critical procedure done globally by harvesting an organ from people who are dead or from living donors. This organ is then replaced with the failed organ of the recipient/patient.
Being a critical procedure, organ transplantation requires multiple tests and examination to ensure the compatibility of the donor vs. the recipient. Harvesting and transplanting of organs can be done for several body parts such as Kidney, bone marrow, liver, lungs, heart, pancreas, etc.
Because of the complexity involved in the human organ transplant, it becomes an expensive procedure. In fact, the organ transplant price in India goes up to 10 -15 lakh in general. Hence, if any organ transplantation is required due to medical emergency or any other reason, it becomes impossible for a normal family to afford the treatment cost.
And in the absence of medical insurance, people even had to sale their assets to incur the expenses of organ transplantation. Hence, to stay prepared for such unforeseen medical situations, it is better to buy a term insurance policy to make sure that you do not have to drain your savings.
However, the question that arises in this regard is whether term insurance policy offer coverage for organ transplantation or not.
You would be happy to know that term insurance policies allow coverage against organ transplantation under its critical illness rider. Let us discuss organ transplant coverage in detail here.
Most term insurance plans in India allow critical illness cover as an additional benefit. It is, in fact, covered as a rider under a term plan. Term insurance offer several riders and a critical illness rider is the most significant of them all. This rider cover the insured against several life threatening diseases, which require extended treatments, multiple hospital visits, and a range of related expenses.
If a policyholder avails a critical illness rider under their term plan, they become eligible for a certain payout in case of being diagnosed with a critical disease. This payout can be used for organ transplantation if the critical disease requires it as part of the treatment.
Availing a critical illness rider with your term plan allow multiple benefits to the policyholder, especially if the person has to undergo major health conditions like organ transplantation.
There are several insurers in India offering term plans with multiple riders for critical diseases and organ transplantation. Most of these plans differ from each other depending on their coverage terms and conditions.
Further, the conditions might also differ in terms of the organ that needs to be transplanted such as liver, heart, pancreas, kidney, intestine etc. Another important factor to consider is the transplant procedure applied by the healthcare providers and hospitals.
In addition, the health condition that the insured is suffering from which caused the organ to fail is also considered by insurer before offering term coverage to policy seekers.
If the functioning of the organ has failed due to a reason which is excluded from the policy, the transplant may not be covered by the insurance provider. For instance, in case of kidney transplant if the condition is caused due to excessive drinking, the term plan may not compensate the policyholder for the kidney transplant patients.
Below are some of the top insurers offering critical insurance coverage under term insurance plans. These insurance providers offer organ transplantation of varied severity under the plans:
| Insurance Plan | Critical Illness Covered | Benefits |
| Max Life Smart Secure Plus | 40 critical illnesses | Terminal illness cover
Maturity benefit Accident benefit Joint-life benefit Accelerated critical illness benefit |
| HDFC Click 2 Protect Life | 19 critical illnesses | Death benefit
Critical Illness benefit |
| Bharti AXA Life Flexi Term Plan | 34 critical illnesses | Death benefit
Critical illness benefit |
| Exide Life Elite Term Insurance Plan | 25 critical illnesses | Three different payout benefit options – Lumpsum, Lumpsum with family income payout and
Family income payout |
| Reliance Nippon Digi Term Insurance Plan | 25 critical illnesses | Death benefit
Inbuilt terminal illness benefit |
Most term plans allow the insured the flexibility to avail rider benefit under the plan:
As discussed above, the financial security received in the form of critical illness rider is best to keep worries related to critical diseases and the incurred expenses at bay. In the present scenario, no one can guarantee a healthy life forever. You never know what might strike in the future. Hence, it is important to stay prepared by means of coverage under health and life plans. A term plan with critical illness rider allow the insured to avail coverage against multiple illnesses by helping them to incur the treatment costs, including organ transplantation.
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Organ transplantation is a process of removal of an organ from a donor and placing it surgically to another person who is the recipient of the organ.
The two main clause related to organ transplantation include: (i) A near-relative (spouse, children, grandchildren, siblings, parents and grandparents) can donate his/her organ with the permission of the doctor in-charge. (ii) In case of a non-related donor, permission of a state established Authorization Committee is required to donate his/her organs.
Term insurance policies allow coverage against organ transplantation under critical illness insurance/rider.
Yes, liver and heart transplant is covered in health insurance under the Donor expense coverage.
Lungs are hardest organ to get a transplant for. This is because they are highly susceptible to infections during the transplant process.
PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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