What is a Organ donor cover?
Organ donor cover pays the hospitalisation costs of the donor during an organ transplant where the insured person is the recipient. It typically covers the donor's surgery to harvest the organ, subject to the policy's terms, and usually excludes the donor's pre/post-care and any payment to the donor.
What is and isn't covered
When a covered member receives a transplant, this benefit meets the donor's in-hospital surgical expenses for organ harvesting, within the policy's limits and definitions.
It generally does not cover the donor's own pre- and post-hospitalisation, screening, or any commercial payment, and the transplant must comply with applicable transplantation law.
Example
An insured recipient undergoes a kidney transplant. The donor's harvesting surgery costs are met under the organ donor benefit, while the recipient's treatment draws on the main sum insured.
Common mistakes
- Expecting the donor's full workup and recovery to be covered — usually only the harvesting hospitalisation is.
- Overlooking that the transplant must be legally compliant for the claim to hold.
Frequently asked questions
Whose expenses does organ donor cover pay?
The donor's in-hospital costs for the organ-harvesting surgery, when the insured person is the transplant recipient — within the policy's limits and legal conditions.
Is the recipient's transplant also covered?
The recipient's treatment is claimed under the main sum insured as normal hospitalisation; the donor benefit is specifically for the donor's harvesting surgery.