Organ Transplant: How to Manage its Cost with Aarogya Care

A person needs an organ transplant when their organ stops functioning, and surgeries cannot revive the function. An organ transplant can be performed for your lungs, kidneys, liver, pancreas, heart, and intestines. Though transplanted organs don’t last forever, on average, a successful organ transplant can increase the survival time to over a decade. On the other hand, people on the waiting list for organ transplants have a survival time of around five years [1].

Despite this, every year, nearly 5 lakh people do not receive this life-saving surgery [2]. While lack of organ donors is one of the top reasons for this, another reason why people don’t get this surgery is because of high costs. However, high organ transplant costs can be managed with the right medical insurance policy. Aarogya Care health insurance plans available on Bajaj Finserv Health cover organ transplant costs as well as organ donor care.

Read on to understand how you can manage organ donor care and organ transplant expenses with Aarogya Care plans.

Cover For Different Organ Transplant Costs:

Usually, the procedure of organ transplant takes several days because of the extensive care it requires. Due to the lengthy procedure and the nature of the surgery, organ transplant costs are usually on the higher side. From harvesting the organ to performing the surgery, there are many costs associated with organ transplants.

Your medical insurance policy may not cover the cost of an organ transplant in whole. This is why it is important to get a breakup of organ transplant costs. It can help you manage and plan your finances accordingly and ensure that you do not compromise on your treatment.The type of medical costs associated with organ transplants may include the following: 

Compatibility Costs 

Before the surgery for an organ transplant, multiple screenings are done to check the organ’s compatibility with the intended recipient. This compatibility screening is essential because it helps doctors and surgeons assess the chances of a successful transplant.

Surgery And Hospitalization Expenses

This refers to the cost of performing the surgery and the necessary hospital stay for the proper administration of the treatment. Hospitalization costs may include room rent, nursing expenses, and more. Surgery expenses include the cost of harvesting the organ from the donor, the process of transplanting it, the surgeon’s fee, and more.

Pre- And Post-Hospitalization Care Expenses

Organ transplant necessitates extensive care before and after the procedure takes place. This includes hospital stay, medicines, consultations, required tests, and more. In case you need another opinion before undergoing surgery, your medical insurance may cover that too. Pre- and post-hospitalization care are essential because together, they play a vital role in determining the chances of a successful organ transplant.

Make sure that you contact your insurance provider before deciding on the use of medical insurance for organ transplants. This can help you understand what costs your insurer may and may not cover.

Cover For Organ Donor

Organ donor cover refers to the care of the person donating the organ and the expenses for transporting the organ. This cover generally varies for each insurer and may include the following: 

• Hospitalization costs 
• Surgery expenses 
• Organ storage expenses

Expenses that are usually not included in the donor’s cover include the following: 

• Pre- and post-hospitalization care 
• Compatibility screening costs 
• Complications that may or may not arise after the surgery

Additional Read: Aarogya Care Personalized Health Plan 

Keep in mind that the above is not an exhaustive list of organ transplant expenses offered in a health policy. The inclusions and exclusions may differ depending on the kind of policy you have. Talk to the insurer to better understand what is covered in your policy. Depending on the type of Aarogya Care Health Insurance Policy you have, you can get insurance coverage of up to Rs.10 lakh to cover such costs.

With a large pan-India network, you can get treatment from anywhere across the nation. Check out the various Aarogya Care plans on Bajaj Finserv Health to find a policy that suits your and your family’s needs. You can also check out the Health Cards available on the platform. With these, you can take the necessary preventive measures to keep yourself and your loved one in good health.