Home LifeHealth Do Critical Illness Plans Cover Organ Transplantation Expenses?

Do Critical Illness Plans Cover Organ Transplantation Expenses?

by Yolando B. Adams

When it comes to ailments, there are various types, some of which are critical while some aren’t. Owing to medical technology more and more of them are being treated. However, some of them are life-threatening and the only resort is a complete organ swap. While it may not be a cakewalk, but it is the only way a person can survive. These ailments are of fatal in nature and thus termed as critical illnesses.

 Cover Organ Transplantation Expenses

A health insurance is a smart way to make sure you are prepared to tackle treatment costs associated with such ailments. Kidney failure, heart attacks or strokes, various types of cancer, Alzheimer’s disease, paralysis, etc. are some of the critical ailments.

An organ transplant can at times be a way how medical professionals ensure the patient survives. Although there are various treatments that can be tried out beforehand, organ transplant is the ultimate resort when all treatments fail. This procedure is where the entire infected organ is transferred from a different person who is a donor. However, not all can become a donor of an organ. Various factors like the blood group, compatibility of the organ to be harvested is considered before going ahead with the procedure.

Due to the complicated nature of the entire process, the treatment does not come cheap and it is where a critical illness insurance with organ transplant comes to the rescue. With such organ transplant feature as part of your policy cover, you have one less thing to worry about, i.e. the treatment cost. If you have a family history of critical ailments, having a critical illness cover among the various types of health insurance helps you be prepared well in advance.

How does having organ transplant benefit in a critical illness plan?

With the help of an organ transplant cover, the various costs mentioned below are covered by the insurer.

Organ screening:

The starting point in a transplant procedure is to search for a compatible donor. This is difficult since not everyone is willing to donate. With the help of a health insurance company, organ screening is aided.

Coverage for pre-hospitalisation costs:

Once the compatible donor is found, there are various tests that may be required so that the ailing person’s body can successfully accept the transplant. A critical illness policy with coverage for pre-hospitalisation expenses helps to manage these costs of check-up and tests to determine the suitability.

Transplantation expenses:

Next is the actual transplant process. Here the costs associated with admitting to a medical facility, along with the actual surgery costs are covered under the insurer’s scope.

Post-surgery expenses:

A critical illness policy with organ transplantation expense covers the medical costs for both, the donor as well as the donee. These expenses include costs of medication, follow up charges and more.

Thus, with the help of a policy that includes the cost of transplantation, it lowers the financial burden of the medical treatment. When you are looking for a policy that offers such coverage, make sure to check for the different treatments covered under it. In addition, the list of expenses that are provided by the insurer. Also waiting period is what you need to check since these plans are available as a standalone as well as standard policy and make sure you buy one depending on your requirements. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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