A critical illness can often lead to a serious condition, which can result in physical, mental, and financial complications. Critical illness includes cancer, organ transplant, paralysis, heart attack, kidney failure, and likewise. The basic health insurance plan is not sufficient enough to cover the high expenses incurred for the treatment of such diseases. Thus, critical illness insurance plays a very significant role in such situations. 

Generally, critical illness insurance offers financial security against 12 such diseases. There are various factors that you must consider before opting for a critical illness insurance plan for an organ transplant. Firstly, the time frame for a critical illness to be covered varies between 60 days and 120 days. Secondly, make sure that your critical illness insurance covers the expenses of an organ transplant. Go through the policy-related documents in detail. Thirdly, most of the insurance plans do not include the pre-hospitalization and post-hospitalization cost of the donor since donating an organ is a voluntary action. Lastly, the sub-limit on the sum assured under the insurance policy is fixed and it differs from one insurer to another. You must choose a floater policy for your family such as the Manipal Cigna Health Insurance. 

Critical Illness Insurance Plan for Organ Transplant  

Critical illness generally results from the disfunction of an important organ and leads to organ transplants. Most commonly, organs like kidneys, lungs, heart, pancreas, bone marrow, cornea, etc. are transplanted and the process involved is highly expensive. A critical illness insurance plan will provide financial security in case of such medical emergencies. This is slightly different from the normal health insurance plans as it offers a one-time benefit to the consumers. when an incident expands

You can apply for this plan if you are diagnosed with any of the diseases mentioned in the insurance plan. The insurance company will pay the entire amount insured in a single transaction, only if the patient or the insured survives for a minimum of 30 days after the diagnosis. You can use this amount for any purpose according to your requirements. You can also opt for cashless reimbursement or a benefit policy.  

Manipal Cigna Health Insurance

Offering features such as domiciliary hospitalization cover, road ambulance cover, maternity expenses, and likewise, the Manipal Cigna Health Insurance plan also includes lump-sum benefits to cover the expenses in case of a critical illness.  The expenses spent on the organ donor’s treatment will also be covered under this policy. 

The Manipal Cigna Health Insurance is an individual or family floater plan. The minimum age for adults to get this policy is 18 years and for children is 90 days. There is no maximum age limit. You can get a sum insured between INR 2.5 lakh and INR 1 crore. The premium rate starts from INR 4400. This critical illness insurance policy covers six members of your family, including two adults and four children.  

By JenniferKIM

Jenniferkim is a General Blogger & writer who has been extensively writing in the technology field for a few years. He has written several articles which have provided exciting and knowledgeable information on Finance, Business, Tech, Travel, Sports in Italy.

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