Health Insurance for Organ Transplant Surgeries


Health Insurance Cover for Major Organ Transplant

Organ donation gives a new lease of life to an individual who is battling a life-threatening medical condition. Thanks to medical advancements, the success rate of major organ transplant surgeries has increased. 

Organ transplant refers to a medical procedure that is conducted to save the life of a patient having terminal organ failure. The procedure involves removing an organ from the body of a donor and placing it into the patient’s (recipient) body.

Leading health insurers such as Care Health Insurance (Formerly Religare Health Insurance) offer organ donor cover in their critical illness insurance policy. Having a health cover has become essential these days. Firstly, a health policy serves as a financial safety cushion for a family’s income against unexpected medical expenses. Secondly, buying a customized, disease-specific health cover eliminates the burden of expensive medical treatment.  

We shall explain more about this type of health cover and the various benefits. 

What is Organ Donor cover?

Organ donor cover is a feature available in critical illness policy that offers coverage up to a specified limit for the organ donor expenses incurred by the policyholder. Such type of policy will provide coverage for the in-patient hospitalization and surgery-related expenses for the patient.  

The Need for Health Insurance with Organ Donor Cover

Organ transplant is a complex procedure as the doctors have to ensure there is a right match between the recipient and donor. This surgery increases the chances of survival of a patient with a critical illness. Some examples of major organ transplant and their average expenses are listed below: 

Organ Transplant Expected Cost (Approx.) in India
Liver Transplant Rs 15 Lakh - 35 Lakh
Heart Transplant Rs 20 Lakh - 25 Lakh
Kidney Transplant Rs 5 Lakh -20 Lakh
Cornea transplant Rs 50,000 - Rs 1 Lakh


Medical conditions, such as diabetes and hypertension, are quite common and have affected millions of people. If gone unchecked, they can turn into a severe ailment to a person. Considering the high costs, a health cover is highly recommended for those who are suffering from critical diseases. 

Tips for Buying Health Insurance with Organ Donor Cover

When buying a critical illness insurance plan with organ donor cover, one should carefully read the policy documents to understand what is covered and what is not covered in the plan. For instance, organ donor cover will not include the pre-hospitalization and post-hospitalization medical expenses for the donor. 

Moreover, the amount of sum insured must be selected, keeping in mind one’s estimated treatment costs. It is also important to check the presence of network hospitals near one’s location to ensure easy access to quality medical care. 

The coverage for opting for a health plan with organ donor cover can be availed in two ways: 

  • Cashless Facility: This facility is extremely beneficial as there is no need to pay for medical bills from one’s pocket. Using a health card, the policyholder can avail treatment at a network hospital. The insurer would settle the expenses directly with the hospital, subject to policy terms and conditions.
  • Reimbursement Facility: In case the policyholder chooses to avail of treatment at a non-network hospital and pay the medical bills, he or she can opt for reimbursement facility. 

One should remember to notify the insurer as per the specified time frame so that there is no hassle in getting the claim. 


Having a critical illness cover is a must for individuals who face the risk of serious ailments. The premium of such types of policies would depend on various factors such as age, amount of coverage, etc. The plan provides benefits such as in-patient care, daycare treatment, cover for pre-and post-hospitalization medical expenses, ambulance cover, etc. Also, there are other benefits such as annual health check-ups which proves helpful since timely medical tests are key to identifying potential health complications.   

The Critical Illness Policy by Care Health Insurance (Formerly Religare Health Insurance) saves you from a financial impact by covering the expenses resulting from major organ transplant surgery. You can avail of quality healthcare at any of the 7800+ network hospitals in India and experience the convenience of a cashless treatment facility.