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 are life-threatening, and the only resort is a complete organ swap. While it may not be a cakewalk, it is the only way a person can survive. These ailments are fatal and thus termed critical illnesses.
Health insurance is an intelligent way to ensure 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 critical illnesses.
An organ transplant can, at times, be a way how medical professionals ensure the patient survives. Although various treatments can be tried beforehand, an organ transplant is an 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 are 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 critical illness insurance with organ transplant comes to the rescue. With such an 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 covered among various health insurance helps you be prepared well in advance.
How does having an organ transplant benefit a critical illness plan?
With the help of an organ transplant cover, the various costs mentioned below are covered by the insurer.
The starting point in a transplant procedure is to search for a compatible donor. This isn’t easy since not everyone is willing to donate. With the help of a health insurance company, organ screening is aided.
Coverage for pre-hospitalization costs:
Once the compatible donor is found, various tests may be required so that the ailing person’s body can successfully accept the transplant. A critical illness policy with coverage for pre-hospitalization expenses helps manage these costs of check-ups and tests to determine the suitability.
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.
A critical illness policy with organ transplantation expense covers the medical costs for both the donor and 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 medical treatment. When you are looking for a policy that offers such coverage, make sure to check for the different therapies covered under it. In addition, the list of expenses that the insurer provides. Also waiting period is what you need to check since these plans are available as a standalone and 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 the sales brochure/policy wording carefully before concluding a sale.