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/Organ Donor Expenses
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What is Organ Donor Expenses in health insurance?
If you receive an organ transplant, this feature pays for the donor's hospital and surgery costs. Without this, the donor's family would have to pay those bills out of their own pocket - for an act they did entirely for your benefit.
Star Health
Super Star
StrongCommonly Missed
The donor's in-patient hospitalisation and screening costs are paid up to your Sum Insured, and that limit sits over and above your Sum Insured, so a transplant does not use up the cover you need for your own treatment. Complications the donor develops later are covered for 180 days from discharge, where they need a redo surgery or an ICU admission.
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Watch out
The donor's costs are paid only if your own transplant claim is payable. The donor's separate pre-hospitalisation and post-hospitalisation expenses are not part of this benefit; the clause covers the in-patient stay, the screening, and a redo surgery or ICU admission within 180 days.
Star Health
Star Comprehensive
StrongCommonly Missed
The donor's in-patient hospitalisation for the transplant is paid, and so are the donor's complications that need a redo surgery or ICU admission. The money is an additional Sum Insured that sits over and above your Limit of Coverage, up to the Basic Sum Insured, so a donor claim does not reduce your own cover. It can be used only by the donor.
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Watch out
All transplants and related surgeries sit inside the 24-month specified-disease waiting period, so a transplant in the first two years is not paid at all - and the donor's hospitalisation goes unpaid with it. The donor's pre- and post-hospitalisation expenses are not part of this section.
Star Health
Star Health Assure
StandardCommonly Missed
If you receive a transplant, the donor's in-patient hospitalisation costs are paid, but only if your own transplant claim is payable. Complications that force the donor into a redo surgery or ICU admission are covered over and above your cover, up to the Sum Insured, and that extra amount can be used only by the donor.
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The catch
All transplants and related surgeries carry a 24-month waiting period from the first policy start. A transplant in the first two years is not paid at all, unless it follows an accident.
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