Discover the Best Insurance Plans for Kidney Failure

Dealing with kidney failure, that too in a country like India, where medication costs are rising rapidly, is a hard task. The complete kidney failure treatment can cost up to Rs 15 lakh or even higher in some cases. 

Managing finances in such situations can really be stressful. However, let’s not forget about the great financial aid we all have – “Insurance Plans for Kidney Failure.”

With a good health insurance plan in hand, you can not only pay the expenses of all your kidney treatment but can also recover fast, being relieved from all the financial burden. 

Yes, you guessed it right! This blog is all about exploring the best insurance plans for kidney failure. We’ll look at the ten best health insurance plans as well as some great Government-provided schemes for kidney failure. 

Importance of Health Insurance for Kidney Failure

Kidney failure, without a doubt, is one of the most critical conditions that demands the utmost care. Dealing with kidney failure means regular dialysis, medications, and sometimes transplants. Needless to say, the cost of these treatments can be overwhelming for many. In situations like these, having a good health insurance plan for kidney failure can prove to be a significant help. 

All your major medical expenses, such as dialysis sessions, hospital stays, and even transplant procedures, are covered through health insurance, providing you with great financial stability. With treatment finances not being a problem, you can focus on faster recovery and healthy living. 

Key Features to Look for in Health Insurance Plans in Kidney Failure

Let us take a look at some key features that must be considered while choosing a health insurance plan for kidney failure –

• Complete Coverage: Kidney failure treatment requires various procedures such as dialysis, medications, and potential transplants. Therefore, make sure your policy plan provides coverage for all. 
• No Pre-Existing Conditions Clause: There may be some plans that do not provide coverage benefits for pre-existing conditions. Better avoid them! 
• Renal Transplant Coverage: There can be unfortunate circumstances of transplant. Therefore, ensure your policy plan covers pre and post-surgery expenses, including donor evaluation.  
• Emergency Room Coverage: Often, kidney patients have to deal with unexpected kidney failure complications. Hence, emergency room coverage is essential. 
• Wide Provider Network: Choose a plan with a wider range of network hospitals. Consequently, you’ll have access to a large network of kidney specialists for quality treatment.

10 Best Kidney Failure Insurance Plans in India

There are a number of great health insurance plans for kidney failure in India. Here, we have listed out the ten most popular —

1. Reliance Critical Illness Plan

Covering up to 10 critical illnesses, such as last-stage kidney failure, the Reliance Critical Illness Plan is a great option for those looking for a small coverage benefit. 

Key Features:

• Sum insured starting from Rs 5 lakh to Rs 10 lakh
• Coverage benefits for end-stage kidney failure requiring dialysis
• Policyholders get to choose the policy period – 1 or 3 years

2. Star Criticare Plus Insurance Policy

With Star Criticare Plus Insurance Policy, policyholders get up to 9 critical illnesses covered, including kidney failure. Interestingly, this plan also covers non-allopathic treatments, offering policyholders wider healthcare coverage. 

Key Features:

• Maximum sum assured up to Rs 2,00,000
• Lifelong renewal guaranteed
• Non-allopathic treatments covered
• Lump sum payment on diagnosis

3. Chola MS Critical Health Plan

With coverage of up to 12 illnesses, the Chola MS Critical Health Plan is a lifetime renewal health insurance policy. Policy buyers have the option to choose from Standard and Advanced plans. Although, both these plans offer kidney and dialysis treatment coverage. 

Key Features:

• Sum insured from Rs 3 lakh to Rs 10 lakh
• Policyholders have lifetime renewal available
• Policyholders get to choose the policy period – 1, 2, or 3 years

4. HDFC Ergo Critical Illness Plan

With the HDFC Ergo plan, policyholders get a lump sum benefit for 15 critical diseases, including kidney failure. Also, policyholders can select a Silver or Platinum plan in case they want to renew their policy. 

Key Features:

• Policyholders have lifetime renewal available
• Sum insured from Rs 5 lakh to Rs 10 lakh
• Survival period of 30 days

5. Care Critical Illness Plan

Formerly known as Religare Health Insurance, the Care Critical Illness Plan provides health care coverage for 32 illnesses, of which kidney failure is one. Moreover, the plan also offers global health and ambulance coverage. 

Key Features:

• Global health coverage
• Illness coverage benefits up to Rs 1 crore
• Under this plan, policyholders also get doctor-on-call and daycare treatments covered. 

6. Bajaj Allianz Critical Illness Plan

This health insurance plan by the Bajaj Allianz group offers coverage benefits for ten critical illnesses, including kidney failure. With flexible premium payment options, it is one of the most suitable insurance plans for people aged between 18 to 65. 

Key Features:

• Illness coverage benefits up to Rs 50 lakh 
• Policyholders get to choose the policy period – 1, 2, or 3 years
• Quarterly, half-yearly, and annual premium payment options are available

7. SBI Critical Illness Plan

Backed up by a reliable name, the SBI Critical Illness Plan provides coverage benefits for up to 36 critical illnesses counting kidney failure. Moreover, SBI also provides discounts for covering multiple members of the policy.

Key Features: 

• Maximum sum insured up to Rs 10 lakh
• Pre-existing conditions covered after 48 days
• Family discount of up to 10%

8. Tata AIG Criticare Plan

Tata AIG Criticare plan covers up to 11 critical illnesses and even offers a second opinion benefit. This benefit allows you to get a free consultation from a doctor about your treatment or diagnosis if you are unsure about it. 

Key Features:

• Second opinion benefits
• Sum insured from Rs 2.5 lakh to Rs 15 lakh
• 1-year policy period

9. ICICI Lombard Complete Health Insurance Policy

ICICI Lombard Complete Health Insurance Policy provides health coverage benefits for kidney failure as well as 19 other critical illnesses. Moreover, there’s also coverage benefit for pre-existing genetic disorders after a certain waiting period. 

Key Features:

• Illness coverage benefits from Rs 5 lakh to Rs 1 crore
• In case of a genetic disorder, coverage is issued after 48 months of policy purchasing
• Policyholders get to choose the policy period – 1, 2, or 3 years

10. Niva Bupa Critical Illness Insurance

Niva Bupa Critical Illness Insurance plan covers up to 20 critical illnesses. What sets this plan apart is the availability of multiple payment options. 

Key Features:

• Sum insured from Rs 2 lakh to Rs 2 crore
• Policyholders get direct claim settlement
• Flexible premium payment options

While all these plans have their benefits and limitations, choosing the right one for yourself completely depends on your personal needs and preferences.  

Government Health Schemes and Non-Profitable Programs for Kidney Failure

Scheme Name	Description	Benefits
Ayushman Bharat Scheme	Provides health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation.	Free hospitalisation, covers dialysis, available for economically weaker sections.
Rashtriya Arogya Nidhi (RAN)	Offers one-time financial assistance of up to ₹15 lakh for treatment at government hospitals for BPL patients.	Financial aid, supports dialysis and covers life-threatening diseases.
Pradhan Mantri National Dialysis Programme	Provides free dialysis services in government hospitals for BPL patients.	Free dialysis, under National Health Mission.
Dr. Ambedkar Medical Aid Scheme	Provides financial assistance for SC/ST patients, including dialysis and other serious ailments.	Financial aid, covers dialysis, for SC/ST patients.
Central Government Health Scheme (CGHS)	Offers comprehensive healthcare benefits for central government employees, pensioners, and dependents.	Dialysis coverage, hospitalisation, medicines.
Employees State Insurance (ESI)	Covers insured workers and their families, including dialysis and other treatments.	Dialysis coverage, hospitalisation, medicines.
Ex-Servicemen Contributory Health Scheme (ECHS)	Provides free or subsidised dialysis for ex-servicemen and dependents.	Dialysis coverage, hospitalisation, medicines.

Customer Assistance Details for Help

If you need help choosing the right insurance plan for kidney failure, contact the InsuranceDekho team via the channels below. 

• By Call: 7551196989 
• By Email: support@insurancedekho.com

Conclusion

There you have it – a complete exploration of the 10 best health insurance plans for kidney failures. Remember, make sure you compare all the plans and select the right one that fits your financial needs and preferences. 

Frequently Asked Questions

Ques 1. How much coverage do I get with the HDFC Ergo Critical Illness Plan? 

Ans. HDFC Ergo Critical Illness Plan offers a sum assured from Rs 5 lakh to Rs 10 lakh with a lifetime renewal option. 

Ques 2. What is a second opinion benefit?

Ans. This benefit allows you to get a free consultation from a doctor about your treatment or diagnosis if you are unsure about it. 

Ques 3. What is the government scheme for kidney patients?

Ans. There are a number of government schemes for kidney patients: 

• Ayushman Bharat Scheme
• Rashtriya Arogya Nidhi (RAN)
• Pradhan Mantri National Dialysis Programme
• Dr. Ambedkar Medical Aid Scheme
• Central Government Health Scheme (CGHS)
• Employees State Insurance (ESI)
• Ex-Servicemen Contributory Health Scheme (ECHS)

Ques 4. What are the benefits of the Dr. Ambedkar Medical Aid Scheme? 

Ans. The Dr. Ambedkar Medical Aid Scheme provides financial assistance for SC/ST patients, including those suffering from dialysis and other serious ailments.

Ques 5. What are the key features of Max Bupa Critical Illness Insurance plan?

Ans. Max Bupa Critical Illness Insurance key features:

• Sum insured from Rs 2 lakh to Rs 2 crore
• Policyholders get direct claim settlement
• Flexible premium payment options