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    "Must-Have Benefits" under the Health Insurance policy

    These are the benefits you can't compromise on. Whichever insurance company you choose, the first thing to check is whether these 6 must-have benefits are covered for the full limits of the policy.

    The cost related to organ donor’s treatment is covered only from the time the donor is admitted to hospital for transplantation surgery, the organ is harvested (removed) and till the time the donor is discharged upon recovery. Such transplantation should be medically advised and approved by law.

    The policy will not cover:

    The cost of Organ

    Any payments for tests or screening for donors to ensure his organ matches

    The insured is fit for transplantation.

    Any payments to Govt. Body for getting approval for transplantation.

    Any pre or post hospitalization costs related to donors.

    Any complications arising out of transplantation to the donor are not payable under the recipient's insurance nor in the donor's personal medical insurance.
    Also, if the donor has undergone the transplant voluntarily then he/she will not be covered by their medical policy.

    Not all plans provide similar cover, neither any plan provides complete cover. In some plans it’s an inbuilt cover whereas sometimes it has to be selected as a special benefit upon payment of additional premium.

    The irony is, the donor is not covered fully in the recipient’s (Insured’s) policy and in his personal medical insurance as well for donating his organ.

    How many of you have read about Modern Treatment Methods and Advancement in Medical Technologies?

    • Uterine Artery Embolization and HIFU
    • Balloon Sinuplasty
    • Deep Brain stimulation
    • Oral chemotherapy
    • Immunotherapy- Monoclonal Antibody to be given as an injection
    • Intravitreal injections
    • Robotic surgery
    • Stereotactic radiosurgery
    • Bronchial Thermoplasty
    • Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
    • IONM – (Intra Operative Neuro Monitoring)
    • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

    As a result of these advancements in medical technology, we are now able to operate the human body without shedding a single drop of blood. That's good news.

    In the future, most treatments will be performed through modern treatments, which will cost an arm and a leg. That's bad news.

    Recently, even IRDAI has made it compulsory for all Insurers to cover this disease in Health Insurance.

    Many insurers now cover Modern treatments, but apply sublimits. The whole purpose of taking health insurance at all will be diluted.

    Hence we need to ensure that our Health Insurance is covering these treatments without any sublimits.

    So to conclude, please note two things

    • Health insurance should also cover higher insurance sums, such as 50 lacs which is expected to be a common treatment cost in the coming years.
    • We need to ensure that our Health Insurance is covering these treatments without any sublimits.

    If your budget is limited, opt for a super top-up policy. Although it may not cover you for small treatments ( which might not have any drastic effects on your financial wellbeing) it can certainly be a blessing when it comes to large claims ( which can put us 10 years behind).