Organ Donor Coverage

In cases involving organ replacement (eg. kidney transplant) for a policyholder, most expenses to the extent of the Sum Insured are covered by standard health policies. Under the organ donor coverage, the donor’s inpatient expenses are also covered, but with restrictions. Even if the donor has a health insurance policy, it is unlikely that expenses will be reimbursed, unless the insurer explicitly provides such a cover. Most policies come with a list of exclusions for organ donor coverage.