Learning about insurance options and choosing a plan that is right for you can be confusing and overwhelming. The National Kidney Foundation has created this resource guide to help you learn more about insurance.
For people with kidney disease your insurance options may change as your kidney disease progresses. The only condition for these policies is that the problem (renal failure or the cause for this) should not exist prior to policy start date as in that case it will fall under pre-existing disease (PED) category. In all PED cases, PED exclusions year coverage will apply.
Best medical insurance policy.
For example, when someone starts dialysis or has a kidney transplant they can apply for Medicare. Typically Medicare is an insurance option for people over 65 years old, but there is a special entitelment for people who have kidney failure – also known as End Stage Renal Dissease (ESRD). Medicare pays 80% of the cost of dialysis treatment and 80% of the cost of immunosuppressant medications after transplant.
Which is the best medical insurance policy for kidney patients?
Most of the Mediclaim policies cover Renal / Kidney Transplant for recipient and donor. S few policies have conditions where only the recipient’s medical expenses are covered. The only condition for these policies is that the problem (renal failure or the cause for this) should not exist prior to policy start date as in that case it will fall under pre-existing disease (PED) category. In all PED cases, PED exclusions year coverage will apply. In addition, there are Critical Illness coverage policies which also provide the coverage during specific conditions. I would request you to contact general insurance companies for specific details on their policy benefits
There are various health insurance plans in our country which provides cover to people suffering from various kind of diseases both communicable and non-communicable. Before you choose a plan for yourself, it is important that you check the claim settlement ratio. It is important to understand that higher the ratio, better the company is likely to be. It is also extremely imperative that you also read the documents properly and check the diseases or conditions excluded from the policy you are interested in.