Financial Implications of Organ Transplant and Advantages of Covering it in Ayushman Bharat

Abstract Introduction: Organ transplantation imposes a growing financial burden on patients who require medical care, which was not accounted for in the Ayushman Bharat Pradhan Mantri Jan Arogya Yojna (AB—PMJAY) till 2024. Fewer chronic organ failure patients opted for Organ Transplant in view of financial constraints. Methods: A qualitative study employing focused group discussions was carried out across 14 transplant hospitals in Haryana, targeting individuals with experience in organ transplantation. Additionally, in-depth interviews were conducted to evaluate the costs and benefits of the procedure, along with the complexities and challenges associated with it. Results: Nearly 50% of patients had been battling their condition for over six months while awaiting a transplant. Additionally, post-organ transplant, 70% of recipients reported their quality of life as equal to or above average. Our study also found that 40% of patients received treatment in public hospitals, whereas 60% relied on borrowed finances to cover their medical expenses. Conclusion: It is essential for the government to introduce programs that strengthen healthcare, extend life expectancy, and enable beneficiaries to fulfill their responsibilities effectively. Recently, the organ transplant package has been incorporated into the Ayushman Bharat Scheme. With proper execution, this initiative can help individuals manage their medical expenses and alleviate financial burdens.