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/Organ Donor Expenses
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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Step 3Plan Comparison
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.
Every plan, ranked11 · 10 standard · 1 limited
Star HealthStandardSuper StarCovered only if the recipient's claim is approved
Standard
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.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableYes
Donor Pre/Post-Hospitalisation IncludedNo
Reduces Recipient's Main Sum InsuredNo
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 HealthStandardStar ComprehensiveCovered only if the recipient's claim is approved
Standard
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.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableYes
Donor Pre/Post-Hospitalisation IncludedNo
Reduces Recipient's Main Sum InsuredNo
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 HealthStandardStar Health AssureCovered only if the recipient's claim is approved
Standard
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.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableYes
Reduces Recipient's Main Sum InsuredYes
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.
HDFC ERGOStandardOptima RestoreCovered only if the recipient's claim is approved
Standard
The policy pays the donor's medical and surgical costs for harvesting the organ when you are the one receiving it, up to your Sum Insured with no separate cap. It pays nothing if you are the donor, and nothing for the donor's costs before admission or after discharge.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Pre/Post-Hospitalisation IncludedNo
Reduces Recipient's Main Sum InsuredYes
Insured's Own Organ Donation CoveredNo
Watch out
Your own claim for the transplant has to be admitted first: if the recipient's claim is rejected, the donor's bills are not paid either. The donor's pre-hospitalisation and post-hospitalisation expenses are excluded. If you donate an organ yourself, this policy pays nothing towards it.
ICICI LombardStandardElevateCovered only if the recipient's claim is approved
Standard
The donor's hospital stay for harvesting the organ is covered up to your full Sum Insured, once your own in-patient claim has been accepted. What is left out is wide: the donor's pre- and post-hospitalisation bills, screening tests, organ transport and preservation, and any treatment the donor needs for complications afterwards.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Organ Transport & Preservation IncludedNo
Watch out
The donor's bills are paid from your Sum Insured, so a transplant uses up the cover you were relying on for your own treatment. If the donor develops a complication after the harvesting surgery, that treatment is not paid and the donor's family pays those bills from their own pocket.
Care HealthStandardCare AdvantageCovered only if the recipient's claim is approved
Standard
If you receive an organ, the policy pays the donor's hospital and surgery bills up to your Sum Insured. Your own hospitalisation claim has to be admissible first. The donor's pre- and post-hospitalisation bills, and any expense after the organ is taken, are not paid.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Reduces Recipient's Main Sum InsuredYes
Watch out
Anything the donor needs after the organ is taken is refused: complications, follow-up care, and the 30 days before and 60 days after hospital that your own claim would get. You must be the person receiving the organ - if you donate an organ to someone else, this benefit does not apply to you.
Aditya BirlaStandardActiv One · VYTLCovered only if the recipient's claim is approved
Standard
If you receive an organ, the policy pays the donor's hospitalisation for harvesting it at actuals, up to your sum insured. It pays only when your own hospitalisation claim for the transplant is approved, and it draws on your sum insured rather than adding to it.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Organ Transport & Preservation IncludedNo
Watch out
If the donor develops a complication after the harvesting surgery, the policy pays nothing towards it - any further hospitalisation of the donor is excluded by name.
Care HealthStandardCare SupremeCovered only if the recipient's claim is approved
Standard
If you receive a transplant, the donor's medical expenses for the transplant surgery are paid up to your Sum Insured. The donor's pre-hospitalisation and post-hospitalisation expenses are not paid, and the amount comes out of your own Sum Insured for that year.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Reduces Recipient's Main Sum InsuredYes
Watch out
The donor's claim stands only if your own in-patient claim is accepted first. Anything the donor spends after being discharged, including recovery care and follow-up, you pay from your own pocket.
HDFC ERGOStandardOptima Secure · Optima-SelectCovered only if the recipient's claim is approved
Standard
If you receive an organ transplant, the policy pays the donor's hospitalisation for harvesting the organ, up to your Sum Insured. It pays only if your own hospitalisation claim is admissible.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Organ Transport & Preservation IncludedNo
Watch out
The donor's tests and follow-up before and after the stay, the cost of moving and preserving the organ, and any complication the donor suffers afterwards are all excluded.
Niva BupaStandardReAssure 3.0 · ClassicCovered only if the recipient's claim is approved
Standard
If you receive an organ transplant, the donor's hospitalisation costs for harvesting the organ are paid up to your Sum Insured - but only when your own hospitalisation claim is paid. This plan also covers the reverse case: if you donate one of your organs, your harvesting expenses are paid too.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitCovered up to full Sum Insured
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Organ Transport & Preservation IncludedNo
The catch
For a transplant at a non-network hospital you must inform Niva Bupa 7 days before a live-donor transplant, and in liver and pancreas cases share the biopsy. Fail either and a further 20% co-payment applies to the whole admissible claim - on a INR 20,00,000 transplant that is INR 4,00,000 you pay yourself.
Star HealthLimitedFamily Health OptimaCovered only if the recipient's claim is approved
Limited
If you receive an organ, your donor's hospital costs are paid - but only if your own transplant claim is approved, and only up to 10% of your Sum Insured or ₹1,00,000, whichever is less. The amount comes out of your Sum Insured. The donor's screening tests and any complications after the donation are not paid.
Coverage detailstap any row to understand it
Donor hospitalisationCovered only if the recipient's claim is approved
Donor expense limitUp to ₹1 Lakh
Donor Complication Coverage AvailableNo
Donor Pre/Post-Hospitalisation IncludedNo
Reduces Recipient's Main Sum InsuredYes
Watch out
A transplant sits on the 24-month specified-disease waiting list, so this benefit cannot be used in the first two years of a new policy. At a ₹5,00,000 Sum Insured the cap works out to ₹50,000; from ₹10,00,000 upward it is fixed at ₹1,00,000.
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Or read one we prepared for Organ Donor ExpensesSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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