Organ donor expenses - Health Insurance
I have almost finalised a health insurance policy for my father (~55 years) by ICICI Lombard - Health Shield. I was going for a Base Cover of 10 lacs and a Super Top-up of 10-15 lacs. It covers almost all the basic pointers discussed on the forum -
- Zero Co- pay
- 2 year waiting period for PED
- No room rent/category limit
After reading these articles, I went back to read the policy wordings.
Under policy exclusions, this is written -
Expenses related to donor screening, treatment, including surgery to remove organs from a donor in the case of transplant surgery.
The policy comes with built-in Donor Expenses cover. The policy wordings describe it as follows-
In consideration of the payment of additional premium to Us, We will indemnify the Insured person up to the sum insured as specified in the policy schedule for the Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, provided the organ donated is for the insured person’s use and We have admitted the In patient Hospitalization Claim under the base plan.
- Pre-hospitalization Medical Expenses or Post-hospitalization Medical Expenses of the organ donor.
- Screening expenses of the organ donor.
- Any other Medical Expenses as a result of the harvesting from the organ donor.
- Costs directly or indirectly associated with the acquisition of the donor’s organ.
- Transplant of any organ/tissue where the transplant is experimental or investigational.
- Expenses related to organ transportation or preservation.
- Expenses incurred by an Insured Person as a donor.
- Any other medical treatment or complication in respect of the donor, consequent to harvesting.
Can someone please guide me regarding what exactly is covered and what is not? Also, is this standard? Are there any better plans offered by other companies that have better coverage with regards to organ donor expenses?