Liver Transplant Insurance Coverage In India

What is Liver Transplant?

Liver transplant is a surgery that replaces a deceased or failed liver with a healthy liver from another person. It either uses a healthy liver from a deceased person or a part of a healthy liver from a living person to replace a failed liver that no longer functions properly. Usually, a liver transplant surgery is recommended for a person with end-stage chronic liver disease.

A liver transplant surgery can add at least five more years to the life of a person with liver failure. Moreover, thousands of liver transplant surgeries are conducted every year in India, with a success rate of 95%. However, 80% of the liver transplant surgeries performed in India are live donor liver transplants.

Who Requires a Liver Transplant Surgery?

People with the following diseases require a liver transplant surgery:

End-stage liver disease or liver cirrhosis
Acute liver failure
Children's liver diseases

Benefits of Buying Health Insurance for Liver Transplant

Here are the key reasons for buying a health insurance policy for a liver transplant:

Expensive Transplant Surgery

A liver transplant surgery is an expensive procedure. As per reports, a liver transplant surgery in India can easily cost somewhere between ₹25 lakh to 36 lakh, depending on the city and the type of hospital. Most people cannot afford this costly surgery without exhausting their life savings. However, by buying health insurance for surgery, people can stay financially prepared for this expensive liver transplant surgery.
Comprehensive Financial Coverage

Besides the surgery cost, a liver transplant operation can also lead to additional expenses, such as medicines, follow-up consultations, etc. Not only may post-surgery care add to the expenses, but the slow recovery may lead to a loss of income. However, people with a critical illness insurance policy do not have to worry about these expenses as the lump sum claim amount will not only cover all the post-surgery expenses but also act as an income replacement.

Best Health Insurance for Liver Transplant in India

Check out some of the best health insurance plans for liver transplant coverage in India:

Liver Transplant Insurance Plans	Entry Age	Sum Insured (₹)	Waiting Period	Survival Period
Aditya Birla Activ Secure - Critical Illness Plan	Min - 5 years (18 years under Plan 3) Max – 65 years	1 lakh to 1 crore	90 days, 180 days	15 days
Bajaj Allianz Criti Care Plan	Min – 90 days Max - 65 years	1 lakh to 50 lakh	120 days, 180 days	7 days, 15 days
Care Assure Plan	Min - 18 years Max - 65 years	1 lakh to 3 crore	90 days	-
Chola MS Critical Healthline Insurance Plan	Min - 5 years Max - 65 years	1 lakh to 10 lakh	90 days	30 days
Digit Total Protect Plan	Min – 91 days Max – 85 years	5,000 to 3.5 crore	30 days, 60 days, 90 days	30 days
Future Generali Criticare Policy	Min - 6 years Max - 65 years	1 lakh to 50 lakh	90 days	28 days
HDFC ERGO Critical Illness Insurance Plan	Min - 5 years Max - 65 years	1 lakh to 50 lakh	90 days	15 days, 30 days
ICICI Lombard Criti Shield Plus Plan	Min - 91 days Max - 65 years	1 lakh to 1 crore	90 days	No survival period
IFFCO Tokio Critical Illness Benefit Policy	Min - 3 years Max - 65 years	1 lakh to 1 crore	30 days	28 days
Liberty Critical Connect Plan	Min – 5 years Max – 65 years	1 lakh to 1 crore	90 days	30 days
Magma HDI OneHealth Insurance Plan	Min – 91 days Max – No age limit	2 lakh to 3 crore	90 days	30 days
ManipalCigna Lifestyle Protection - Critical Care Plan	Min – 18 years Max – 65 years	1 lakh to 25 crore	90 days	30 days
National Critical Illness Policy	Min – 5 years Max - 65 years	1 lakh to 75 lakh	90 days	30 days
New India Assurance Criti Protect Policy	Min - 18 years Max - 65 years	5 lakh to 50 lakh	90 days	No survival period
Niva Bupa Health Assurance Plan	Min – 18 years Max – 65 years	3 lakh to 3 crore	90 days	30 days
Oriental Critical Illness Plan	Min – 18 years Max – 65 years	2 lakh to 50 lakh	90 days	30 days
Reliance Critical Illness Plan	Min - 18 years Max - 65 years	5 lakh, 7 lakh, 10 lakh	90 days	60 days
Royal Sundaram Critical Illness Lumpsum Plan	Min – 91 days Max – 65 years	25,000 to 25 lakh	90 days	30 days
SBI Critical Illness Insurance Policy	Min - 18 years Max - 65 years	2 lakh to 50 lakh	90 days	28 days
Star Critical Illness Multipay Insurance Plan	Min - 18 years Max - 65 years	5 lakh to 25 lakh	90 days	15 days
Tata AIG Criti MediCare Plan	Min - 18 years Max - 65 years	5 lakh to 2 crore	90 days	7 days, 15 days
United India UNI CritiCare Plan	Min – 21 years Max - 65 years	1 lakh to 10 lakh	90 days	30 days
Universal Sompo Critical Illness Insurance Plan	Min – 5 years Max - 65 years	2.5 lakh to 20 lakh	90 days	30 days
Zuno HealthPlus Plan	91 days onwards	1 lakh to 5 crore	90 days	-
Zurich Kotak (formerly known as Kotak Mahindra) Secure Shield Plan	Min – 18 years Max - 65 years	10,000 to 20 crore	90 days	-

See More Plans

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Inclusions of Health Insurance for Liver Transplant

Liver transplant insurance coverage in India includes the following:

Lump sum payment on treating doctor's recommendation for a liver transplant surgery
Second e-opinion
Ambulance charges
ICU benefit
Daily hospital allowance
Compassionate visit
Nursing allowance
Wellness programs
Child education benefit
Health check-up benefit

Exclusions of Health Insurance for Liver Transplant

Health insurance for liver transplant excludes the following:

Stem cell transplants
Transplantations of islets of Langerhans
Liver failure secondary due to alcohol or drug abuse
Non-allopathic treatments
Unproven treatments
Self-inflicted injuries
Injuries due to participation in adventure sports

Tips to Prevent Liver Transplant Surgery

Follow the tips given below to prevent liver failure and, in turn, a liver transplant surgery:

Eat a balanced diet rich in nutrients
Avoid excessive consumption of alcohol
Maintain a healthy body weight by exercising regularly
Avoid taking unnecessary medications
Take medicines only in the prescribed dosage
Undergo a liver disease screening test regularly
Take the hepatitis B vaccine to prevent the risk of a liver disease

FAQs

Q1. Is liver transplant covered by health insurance?

Ans:
Yes, most insurance companies in India cover the cost of a liver transplant surgery under a critical illness health insurance policy.
Q2. Can I get health insurance after a liver transplant?

Ans: Buying a health policy after a liver transplant surgery can be difficult. However, you must check with your preferred insurance company if they provide medical coverage after a liver transplant.
Q3. How can I check health insurance for liver transplant cost?

Ans: Yes. You can claim your medical insurance policy if you have CKD or chronic kidney disease if your waiting periods have been served.
Q4. Is there any free health insurance for kidney patients?

Ans: You can check the health insurance for liver transplant cost by contacting the insurer or by checking the premium chart of the policy. Alternatively, you can also use a health insurance premium calculator to estimate the cost of a liver transplant insurance plan.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in