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Donor expenses refers to the medical expenses for organ transplants as a part of the medical expenses incurred by the policyholder.
Any transplant entails two people having to undergo surgeries – the insured recipient and the donor. All hospitalisation expenses – medical, surgical, pre- and post-hospitalisation expenses – incurred by the insured recipient are generally covered by the health plan of the recipient (i.e. the policyholder). Additionally, the cost of harvesting the organ - surgery and storage - are also covered. The treatment expenses of the recipient (policyholder) are fully covered up to the sum insured.
However, remember that the other costs incurred by the donor like room rent, post-hospitalisation expenses may or may not be covered under the health plan of the recipient. Also, note that donors cannot get their hospitalisation costs covered under their individual insurance policy. Therefore, the insured recipient may need to bear such expenses.
According to current market studies, the value of a kidney transplant could range from Rs 4-8 lakhs, while a liver transplant could end in an outgo of Rs 24-28 lakhs. Having an insurance cover with donor expenses covered will ensure you'll not need to worry about your finances before giving consent to a potentially life-saving transplant surgery.
Generally, most insurance plans cover the cost of organ transplants and the cost of surgery for the donor. Refer to the policy document to see if there are any limits prescribed for this head. Some health plans cover only the medical expenses incurred by the donor. While others also cover other costs like room rent, medicines, etc. Don't forget to check what’s included and not covered under donor expenses, while purchasing or renewing your health plan.
A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,
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