What kind of insurance would cover death/disability for organ donors?
Let's say I'm going to be a living donor for a relative. I'm about to willingly undergo major surgery with known (albeit low) risks. I will be taking on significant debt to pay for the whole thing. I would, therefore, want to go in with the knowledge that if I don't make it out alive at least my debts are paid off and my family is taken care of.
Are there any insurance companies (India-specific) that would cover this kind of risk? What kind of policy would it be? (life insurance? medical?)
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While the chance of a plane crash is very low, and the insurance one buys for a two day trip very overpriced for the risk, I always hear "tell that to the families of flt xxx that crashed last week."
So, I understand your request. Life insurance is tough. You usually have to die to collect. A complete disability or long term illness isn't enough.
This is one of those times I suggest talking to an insurance agent, both medical and life. Explain your intention, as it's best to be honest. If I buy life insurance, there may be some exclusions or waiting period, after all, a suicidal person may very well have the thought to first buy a huge policy for his family. By explaining the reason and timing of your purchase you can make sure you have the right product.
(by the way, I wish you well, it's a kind, amazing, thing you are about to do.)
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