Need An Organ Transplant? Here’s How Critical Health Insurance Would Help.

The significance of a health insurance strategy cannot be understated. It is a crucial component of your financial planning strategy. Even though medical emergencies are unexpected and surprising, not all health insurance plans offer the same level of insurance protection.

The majority of medical treatments are covered by a basic health insurance plan, but not all of them. Some illnesses can leave you permanently disabled or possibly necessitate an organ transplant. A typical health insurance policy seems constrained in its coverage during such circumstances. The benefits of health insurance can be useful in these situations. 

What is a critical illness insurance plan? 

A critical illness insurance is a type of health insurance that specifically tries to cover illnesses that pose a threat to life. Multiple sclerosis, paralysis, heart attacks, malignancies of various intensities, renal disease, and heart attacks are some of the illnesses it covers. The Criti Care coverage from Bajaj Allianz General Insurance Company covers 43 such severe illnesses, including organ transplant. A critical illness policy offers a lump sum payout upon diagnosis of the conditions stated in your policy terms, unlike a typical health insurance plan. When an organ transplant is the last option, a lump sum payout like this one can be useful. *

 Organ donation in critical illness legislation 

The last option for medical treatment is to replace an organ that already exists in the body. It is not, however, an easy task. Finding an organ donor, making sure your blood type matches, and compatibility with the organ you’ll be harvesting are a few things to think about before undertaking such a transplant procedure. A transplant is so expensive because of its complexity. A critical illness policy can help in this situation by taking care of the cost of treatment.

 The costs involved in organ transplantation 

An organ transplant is covered under a critical illness plan, one of the various categories of health insurance. These are some of the various costs associated with the pricey organ transplant procedure: *

 Organ examination – The first step in a transplant procedure to find a matched donor is organ screening. It is challenging because nobody wants to give. Such organ screening procedures can be supported with the lump sum payout from a critical illness policy.

Pre-hospitalization expenses covered – Different tests must be carried out after a compatible donor has been found in order for the recipient’s body to successfully absorb the newly transplanted organ. It is also possible to receive compensation for these organ suitability tests conducted prior to hospitalisation. *

Costs associated with transplantation –  This is the actual transplantation procedure. Here, the costs of hospital admission as well as the actual surgery can be successfully covered with the correct cover. *

Post-operative costs – Medication expenditures, follow-up fees, and other expenses are included in the post-surgery costs for both the donor and the recipient. A suitable sum is provided by critical illness insurance to help with these costs as well. *

In the realm of medicine, organ transplantation is not a common procedure. It involves several permutations and combinations and is quite important. While organ transplantation is not an inexpensive therapy, choosing a critical illness plan with organ transplantation coverage helps pay these costs while also guaranteeing your health. The topic of the solicitation is insurance. As a result, you should choose a well-rounded strategy that combines both essential and comprehensive health insurance. Your essential medical bills would be covered by your indemnity (base) health insurance, and the lump sum payment from your critical illness health insurance plans would assist you in getting through difficult financial circumstances.

Before making a purchase, carefully read the brochure or policy wording for more information on the benefits, exclusions, limits, and terms and conditions.

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

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Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.