Critical Illness Policies that Cover Kidney Diseases
Most kidney diseases attack the nephrons. Causes can include genetic problems, injuries, or medicines. You have a higher risk of kidney disease if you have diabetes, high blood pressure, or a close family member with kidney disease. Kidneys are essential to having a healthy body. They are mainly responsible for filtering waste products, excess water, and other impurities out of the blood. These toxins are stored in the bladder and then removed during urination. The kidneys also regulate pH, salt, and potassium levels in the body.
Generally, kidney problems include
Kidney Diseases are quite common nowadays and people often believe that their general health insurance is going to cover all health-related exigencies. However, generally health insurance plans doesn’t cover critical illnesses like stroke, kidney or heart diseases.
Bajaj Allianz – Critical Illness (For Kidney Patients)
This policy covers 10 critical illnesses with up to Rs 50,00,000 sum assured. Depending upon the age of the insurer and the amount of sum insured, medical tests are being done. There is also a chance of loading starting from 5% to 150% on the premium if the risk factor is high.
Max Bupa - Critical Insurance (For Kidney Patients)
The policy covers 20 critical illnesses and it comes in both individual and family floater options. The sum assured will be increased by 5% for every claim free year. It has a guaranteed cash benefit and the bonus is up to 25% of the Sum Insured. No medical check-up is necessary for a person of age below 45 years.
Bharti AXA – Critical Illness Insurance (For Kidney Patients)
This policy has the following benefits:
HDFC Ergo – Critical Illness (For Kidney Patients)
This plan provides a lump sum benefit amount after a survival of 30 days. It covers 8 critical illnesses and offers lifelong renewability. It pays the lump sum amount on first diagnosis of any of the critical illnesses which are covered. A medical check may be necessary depending on the age and sum insured.
Always go through the brochure and the key features of the policy. Never hide any critical health-related information because it may lead to problems during claim settlement.
Compare and study the various aspects of health insurance plans before arriving at a decision.