It is not easy to deal with a critical illness. It takes a toll on both physical as well as mental health. Apart from this, you would also end up spending a lot of money while seeking treatment for a critical illness. One of such critical illnesses is kidney failure. However, you do not need to worry at all as you can buy a health insurance policy that will provide you the coverage for your treatment.
Therefore, let us take a look at the several kidney health insurance policies that you can come across when you visit a website like the IIFL.
Bajaj Allianz Critical Illness Insurance Policy
Bajaj Allianz Critical Illness Insurance Policy comes with policyholder coverage for a total of 10 critical illnesses which include Cancer, stroke, CABG, multiple sclerosis, first heart attack, paralysis of limbs, and pulmonary arterial hypertension, major organ transplantation, and kidney failure. This customer-friendly health insurance plan offers financial help to the insured in a situation when a health emergency comes up or the insured is diagnosed with a critical illness from any of the ones mentioned above.
Key features of the plan:
- It is an annual policy
- The policy provides coverage for 10 critical illnesses which include kidney failure that needs dialysis regularly
- The entry age of the spouse of the policyholder should be between 18 years and 65 years, while the age of the dependent children have to be between 6 years and 21 years
- For the age group of 6 years to 60 years, the sum insured options are between INR 1 lakh and INR 50 lakhs. For the age group of 61 years to 65 years, the sum insured options are between INR 1 lakh and INR 5 lakhs
- There will be a pre-medical test; however, the criteria for it depends on age, adverse health declaration, and sum insured that you opt for
- The loading is a minimum of 10% and a maximum of 150%
- The wiating period to avail of the benefits is 90 days
Bharti AXA SmartHealth Critical Illness Insurance Policy
SmartHealth Critical Illness Health Insurance Policy by Bharti AXA General Insurance Company covers 20 major critical illnesses including Coma, stroke, kidney failure, cancer, coronary artery, bypass surgery, major burns, and many more. Under the policy, the insured gets coverage against all the costs that are incurred because of critical illnesses.
Key features of the plan:
- The policy offers a lifelong renewal
- The policyholders can get coverage for 20 critical illnesses that include Kidney Failure Requiring Regular Dialysis
- The entry age can be in the age group of 3 months to 55 years. Children between the age group of 90 days and 5 years get coverage
- The sum insured options are between INR 2 lakhs and INR 5 lakhs
- For up to 45 years of age or below, medical check-ups are not needed
- The additional benefits that the policyholders can get are Home nursing, Ambulance charges, In-patients physiotherapy, Hospital cash allowance, and many others
- For every claim-free year, policyholders will get a renewal discount of 5%, up to 25%.
HDFC Ergo Critical Illness Insurance
If you are suffering from a critical illness and need financial assistance, you must consider this plan. You will get a lump sum benefit under this plan, upon your first diagnosis and the minimum duration of survival.
Key features of the plan:
- This plan is available for 1 year or 2 years
- The policy provides coverage for a total of 15 critical illnesses which also includes Kidney Failure Requiring Regular Dialysis under the Silver and Platinum variants
- the entry age is between 5 years and 65 years
- The sum insured options are between INR 5 lakh and INR 10 lakh
- For policy buyers up to the age of 45 years, a pre-policy medical check-up is not needed
- Upon the first diagnosis of any critical illness that it covers, a lump sum amount is paid in a single transaction
- The survival period is of 30 days
Apart from these three, there are several other health insurance plans for patients with kidney issues. You can visit the website of IIFL to find the one that is the best for you.
