CAN YOU GET INSURANCE IF YOUR KIDNEY DOES NOT FUNCTION

The short answer should be yes to this question. There will be some questions about your general health and treatment that you are having. Although no obstacles are preventing you from obtaining a life insurance policy if you have to undergo kidney transplant, still you should expect some premium loadings.

Your premiums will depend on the severity of your condition, symptoms and the time you are exposed to the impaired kidney function.

HOW KIDNEY TRANSPLANT DUE TO IMPAIRED KIDNEY FUNCTION AFFECT LIFE INSURANCE

Many conditions may cause your kidneys to malfunction such as Nephritis, Polycystic Kidney Disease, Diabetes or Hypertension. Due to conditions like these kidneys may lose their ability to function and dialysis or transplantation options may occur and this also causes long term effects on your health and lifestyle. Your risk stage and premiums will be calculated according to your general health and the severity of your condition. If you have a kidney-related disease you should consider getting a life insurance policy to ensure your and your family’s financial future.

LIFE CASE STUDY

Mr A is a person in his 50s and has had one of his kidneys removed as it has never functioned properly since his childhood. He has been suffering high blood pressure due to impaired kidney function and hence undergone surgery to remove it. After surgery, his health has been improved. After analysing the medical records, Mr A can access an insurance cover with a sum of £50,000 with a premium of £43.06 a month. He can get an additional increase of +100% to the quoted premium for his policy.

Keep in mind that the premium amount for a policy will differ depending on each case. The health condition and circumstance determines the premium of a policy.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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