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Benefits of Health Insurance for Liver Patients

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Published on September 18, 2023. EST READ TIME: 3 minutes

The liver performs many vital functions in your body and plays a major role in supporting your overall health. It boosts the metabolism of fats, proteins and carbohydrates, supports bile production and excretion, helps store vitamins, minerals and glycogen in the body, and removes toxins. The liver also produces proteins that help with blood clotting. Considering the many functions performed by the liver, it is important to pay attention to the signs and symptoms of liver conditions and seek timely treatment to avoid complications.

If you notice symptoms like chronic fatigue, nausea, loss of appetite and swelling in the legs and ankles, liver disease or liver cirrhosis could be the reason. There is a rising incidence of liver cirrhosis in India, a condition that requires immediate medical attention and important lifestyle changes. Some severe cases may also require expensive procedures like a liver transplant. In such situations, an important question comes to mind – do insurance companies offer health insurance for liver patients? Let’s find out!

Does health insurance cover liver patients?

Health insurance policies in India do cover the treatment of liver patients. However, since liver cirrhosis is a severe clinical condition, it is covered under critical illness insurance.

If you get diagnosed with liver cirrhosis or any other critical illness, the insurer will offer you a lump sum benefit that you can use for your medical bills and other expenses. Once the insurer makes the payment, the critical illness cover lapses.

Since liver conditions are rising among people of all ages, it is wise to take health insurance with critical illness coverage at an early age. In case you get diagnosed with a health condition or critical illness, you can rely on your insurance provider for financial support.

If you are a liver patient, should you declare the same to the insurance company?

If you are suffering from liver cirrhosis or any other health condition, make sure you inform the insurance company about the same. Non-disclosure of important information can lead to the rejection of your health insurance claim and cancellation of your policy.

Most insurance companies cover individuals with liver conditions. So, if you are a liver patient, you can get health insurance coverage, but at a higher premium. It is wise to declare your health condition and pay some extra premium than to face total claim rejection.

Benefits of health insurance for liver patients

An individual health insurance policy or family floater can offer the following benefits to liver patients and ease their mental and financial stress:

1. Cashless hospitalisation

If you have a health insurance policy, you can opt for cashless hospitalisation at any network hospital of your insurance provider. When you do so, the insurer will settle your medical bills directly with the hospital, and you won’t have to pay them from your pocket. However, for cashless claims, you must carry your cashless card to the hospital and submit a duly filled cashless claim form to the insurance company/TPA.

2. Pre- and post-hospitalisation bills

In addition to hospital bills, a health insurance policy will also cover your pre- and post-hospitalisation expenses. These include the cost of diagnostic tests, doctor’s consultation fees, pharmacy bills, etc. Since liver patients may have to undergo various tests throughout the year, the bills can add up to a huge amount. This is when having a health insurance policy with this inclusion can help.

3. Outpatient expenses

A health insurance policy covers the outpatient expenses of policyholders. These are the out-of-pocket expenses that are incurred without getting hospitalised. The cost of some outpatient tests and procedures can run to several thousand rupees and cause a financial burden without health insurance.

4. Critical illness cover

Most health insurance plans offer critical illness coverage as an optional add-on. If there is a history of life-threatening ailments or critical illnesses in your family or if you want to secure your finances against expensive medical procedures, you can take critical illness cover with your health insurance policy.

In case you get diagnosed with liver cirrhosis or any other critical illness, the insurer will offer you a lump sum amount against your critical illness policy. You can use this amount for your treatment in India or overseas. The lump sum payout can also help you with your day-to-day expenses, especially if the sole earning member of the family gets diagnosed with a critical illness.

5. Peace of mind

Serious liver diseases may require long-term treatment or a transplant. If you have adequate health insurance, you can concentrate on your treatment and recovery rather than worrying about the bills.

6. Safeguard savings

A liver transplant surgery is an expensive procedure that can drain your savings. If you have health insurance with critical illness coverage, the lump sum payout can cover the surgery expenses and keep your savings intact.

Conclusion

To sum up, if you are likely to face liver issues due to your sedentary lifestyle, obesity, alcohol consumption, hectic work schedule or family history of liver conditions, it is wise to take health insurance with critical illness cover without delay. Health insurance for liver patients can assure much-needed financial support throughout the treatment and recovery period and make things less stressful. Also, make necessary changes to your lifestyle to keep your liver healthy. However, do watch out for warning signs and symptoms and avail of timely treatment to prevent the condition from worsening.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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