- What Is Liver Transplant ?
- Explore Liver Transplant Health Plans
- Inclusions of Liver Transplant Insurance
Invest In Comprehensive Health Insurance For Liver Transplant
Did you know that your liver is the only organ with the ability to regenerate itself after damage? But, due to multiple reasons, your doctor might recommend a liver transplant when the organ suffers irreparable damage under conditions such as
- Genetic Disorders
- Alcohol Abuse
- Cirrhosis
- Auto-immune diseases, and others.
However, it is important to note the average cost of liver transplant surgery in India ranges between INR 10 lakhs to 35 lakhs. Without comprehensive health insurance for liver transplants in India, you will have to spend a large fortune to undergo the surgery. Comprehensive health insurance is your ticket to cover all medical expenses associated with liver transplant surgery. Your comprehensive health plan will offer you a lump sum amount on being diagnosed with end-stage or irreversible liver damage.
This article is your guide on how to select a health insurance plan for liver transplants in India. Right from coverage amount to feature comparison, explore everything here.
List of Health Insurance Plans Covering Organ Donor
| Comprehensive Health Plan | Sum Insured (In Rs.) | Key Features |
|---|---|---|
| Niva Bupa Aspire | Up to 1 Crore | Global treatment Organ donor Annual health check-up |
| Star Critical Illness Multipay | Up to 25 Lakhs | Covers major organ conditions Wellness programs Covers end-stage of liver failure |
| Care Critical Mediclaim | Up to 2 Crores | Air ambulance cover Organ donor expense cover Second opinion |
| ManipalCigna Critical Care Enhanced | Up to 25 Crores | 30 major illnesses End-stage liver failure Wellness Program |
| Aditya Birla Activ Secure Critical Illness Health | Up to 1 Crore | End-stage liver failure Second E-Opinion Adventure Sports Cover |
What Is Liver Transplant?
A liver transplant is a medical procedure where a damaged liver or a completely failed liver is surgically replaced by another donor’s liver. The donor can be a living or deceased individual depending on the availability of the organ. In most cases, a healthy liver comes from a deceased person.
The process is complex and requires precision by doctors. There are multiple challenges faced by patients in India when it comes to finding the right donor for a liver transplant. India is the most populous country in the world, but 0.08 people are organ donors per million population (PMP). Did you know, as per statistics
- 5 Lakh Indians die because of non- non-availability of organs in India
- 2 Lakh Indians die of liver disease
- In India, 80% of liver donation surgeries involve live donors
Inclusions of Health Insurance for Liver Transplants
The following are covered under liver transplant health insurance in India:
- Lump sum payment on diagnosis for liver complications
- E-opinion
- Global treatments
- ICU charges coverage
- Emergency ambulance
- Air ambulance
- Organ harvesting expenses
- Health check-ups, and more
The inclusions under a health insurance plan for liver transplants will vary from insurer to insurer.
Types Of Liver Transplant Surgeries
There are 2 types of liver transplant surgeries which take place as per the doctor’s recommendation and the patient’s medical history.
-
Deceased Donor Liver Transplant
The liver is harvested from a deceased organ donor who volunteered towards organ donation after their death. This type of transplant is usually beneficial for people who are on the waitlist for liver transplantation. -
Living Donor Transplant
As the name suggests, this type of transplant is performed when a healthy individual donates a part of their liver to the patient. The donor can be anyone like a family member, friend, sibling, or child depending on the organ match.
As we know, how livers can regenerate both the recipient’s and the donor’s part of the liver will grow back to their full potential gradually.
How To Select Health Insurance Plans for Liver Transplant In India
Follow these tips to select the best comprehensive health plan:
- Consider network hospitals available with your health insurance plan for liver transplant.
- Read the inclusions and exclusions of a health insurance plan carefully to understand what is covered during a liver transplant procedure.
- Understand the cost of expenses like the cost of harvesting the liver and surgery.
- Select an ideal sum insured considering the average cost of liver transplant in India.
- Consider the cost of consumables and if they are covered under the health plan.
Benefits Of Liver Transplant Health Plans
The various benefits attached to liver transplant surgery are as follows:
- Covers a major chunk of expenses associated with liver transplant surgeries in India which allows you to focus on recovery instead of stressing about your finances.
- Access to the best medical care facilities during and post-liver transplant.
- Your health check-ups post-liver transplant are taken care of.
- Facilities like the transportation of organs in case the matched donor is from another city are taken care of by the health insurer.
- Ambulance cover available.
Avoiding Liver Transplant Surgery: Health Tips
Your liver is a robust organ and helps sustain a healthy body and mind. Here are some tips to take the best care of your liver to avoid major surgeries like liver transplantation:
- Regular exercise for 30 to 45 minutes is a must for a happy liver.
- Staying hydrated is essential.
- Avoid a high-calorie diet including saturated fats and processed food items.
- Minimal consumption of alcohol, as alcohol, is one of the key contributors leading to liver damage.
- Get vaccinated for hepatitis A and hepatitis B.
Thinking of investing in a health policy that covers liver transplants? No worries, talk to our health insurance experts at PolicyX.com today and get the best plan for you.
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Health Insurance For Liver Transplant : FAQS
1. What is a liver transplant surgery?
Liver transplant surgery is a medical process where a diseased or failed liver is surgically replaced with a healthy liver donated by a deceased or living individual.
2. What is the average cost of liver transplant surgery in India?
As per multiple resources, liver transplant surgery in India ranges between INR 10 to 35 Lakhs. However, the cost may vary as per the severity of the medical condition of the patient, city of residence, and hospital.
3. Do health insurance plans in India cover liver transplant surgeries?
Yes, major organ donations are covered by health plans in India including liver transplantation. A health plan will cover organ transplant procedures if it complies with the Transplantation of Human Organs Act 1994.
4. When is a liver transplant recommended by a doctor?
Liver transplant operations are suggested in case of cirrhosis, end-stage liver failure, cancer, and other medical reasons.
5. Are only deceased individuals eligible for liver donation?
No, healthy people can also donate part of their liver when required, as the liver is capable of regenerating on its own.
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Written By: Simran Kaur Vij
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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