Cost of Liver Transplant Surgery in India in 2024

Explore benefits of affordable, high-quality liver transplant surgery options in India. Get expert care at competitive prices for life-saving treatment.
Check Our Health Insurance Plans
3 min
16-February-2024

The liver is one of the most important organs in our body. It plays a vital role in keeping our body functioning properly by processing nutrients, filtering toxins, and producing bile for digestion. However, due to several factors such as chronic liver diseases, liver cancer, and genetic disorders, the liver may stop working as it should. In such cases, a liver transplant surgery is often necessary to save the life of the patient. Liver transplant surgery is not only a complex surgical procedure but also an expensive one.

In this article, we will discuss the cost of liver transplant surgery in India, the types of liver transplant available, the liver donation price in India, and coverage for live transplant in health insurance policies.

What is a liver transplant surgery?

Liver transplant surgery is a surgical procedure in which the damaged or diseased liver is removed and replaced with a healthy liver from a donor. The donor may be a living person or a deceased person whose liver is suitable for transplantation. Liver transplant surgery is a complicated procedure that requires high levels of skill and expertise from the surgical team. Generally, liver transplant surgery is recommended for patients suffering from chronic liver disease, liver failure, liver cancer, and various other liver disorders that impede liver function.

Also read: Critical illness health insurance

Cost of liver transplant surgery in India

India is known to be one of the most affordable countries for liver transplant surgery. The cost of liver transplant surgery in India varies depending on the hospital, city, and the type of transplant. The approximate cost for liver transplant surgery in India ranges from Rs. 20 lakh to Rs. 35 lakh. This cost includes preoperative tests, surgery, postoperative care, and medications. In comparison with other countries, the cost of liver transplant surgery in India is significantly lower.

Liver donation price in India

Liver donation can either be from a deceased donor or a living donor. In the case of deceased donor transplantation, the cost is often included in the overall transplant surgery expenses. However, for living donor transplantation, where a portion of the liver is donated by a family member or a compatible donor, there may be additional costs involved. These expenses typically cover the donor's medical evaluation, hospital stay, surgical procedure, and post-operative care. The liver donation price in India can vary but generally ranges from Rs. 5 lakh to Rs. 10 lakh, depending on the hospital and the extent of medical procedures involved.

Types of liver transplant in India

In India, there are primarily two types of liver transplant procedures performed:

  • Deceased donor liver transplantation:
    In this procedure, the liver is harvested from a deceased donor who has previously consented to organ donation. This type of transplant is typically reserved for patients with end-stage liver disease who are on the transplant waiting list.
  • Living donor liver transplantation:
    In this procedure, a portion of the healthy liver is surgically removed from a living donor, usually a family member, and transplanted into the recipient. Living donor liver transplant offers several advantages, including shorter waiting times and potentially better outcomes for the recipient.

Also, read: End Stage Liver Disease Cover

Coverage for liver transplant in health insurance policies

Health insurance plays a crucial role in mitigating the financial burden associated with liver transplant surgery. Many health insurance policies in India offer coverage for liver transplant procedures, including pre-transplant evaluation, surgery, hospitalisation, post-operative care, and immunosuppressive medications. However, the extent of coverage may vary depending on the insurance provider, the type of policy, and any pre-existing conditions of the insured individual.

Benefits of health insurance for liver transplant

Having adequate health insurance coverage can provide several benefits for individuals undergoing liver transplant surgery:

  • Financial protection: Health insurance covers a significant portion of the high costs associated with liver transplant surgery.
  • Access to quality healthcare: Health insurance provides access to top-notch medical facilities and experienced healthcare professionals.
  • Reduced out-of-pocket expenses: With health insurance, the policyholder's out-of-pocket expenses for pre-operative tests, hospital stays, and post-operative care are minimised.
  • Comprehensive coverage: Health insurance often includes coverage for pre-existing conditions related to liver disease, ensuring comprehensive support.
  • Timely treatment: Health insurance facilitates timely access to treatment, ensuring that patients receive the necessary care without delay.

Liver transplant surgery is a life-saving procedure that requires the highest level of skill and expertise. While the cost of the surgery may seem overwhelming, India offers some of the most affordable liver transplant surgeries in the world. In addition, most health insurance policies in India have coverage for liver transplant surgery. Hence, it is essential to invest in a good health insurance policy that can provide financial assistance during emergencies.

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.