Kidney ailment is a common problem in India and we all should pay attention to even the initial symptoms. As per reports, in the past 15 years, the number of patients with chronic kidney disease has doubled in numbers. More than 150000 Indians are still waiting for their kidney transplant and around 80% of them die because they could not arrange the organ.
Kidney ailment is a lifelong issue and needs frequent consultation and treatment. Therefore, it requires quite a big amount of money. In this kind of situation, something that can be of great help is a kidney health insurance policy.
What is Kidney Health Insurance?
Kidney health insurance is a type of health insurance policy that has been designed specifically to cover the costs incurred due to the treatment of kidney-related diseases. These are critical health insurance plans and the sum insured are paid out as a lump sum once the kidney ailment is diagnosed. The kidney health insurance policy provides coverage for ailments such as kidney failure. the coverage can be either complete or partial.
Kidney health insurance plans
You will come across various insurance companies in the country that come up with several types of plans that provide coverage for kidney ailments. While some of the companies provide health insurance plans that cover kidney diseases, the other companies offer plans that are designed to provide coverage for kidney ailments. If you run a particular risk, you can even choose a Kidney coverage top-up. mentioned herein below are some of the best kidney health insurance plans.
Bajaj Finserv Kidney Stone Insurance
This is one of the best kidney insurance health policies offered by Bajaj Finserv. The benefits that you will get by purchasing this insurance plan include:
- Pre-hospitalization and post-hospitalization
- Doctor’s fee
- Diagnostic tests
- Sum insured of INR 50,000
- Room rent
- Premium starts at INR 500 per annum
Bajaj Allianz Critical Illness Plan
The benefits that you can expect from this plan include:
- Sum insured of INR 1 lakh to INR 50 lakhs
- The entry age is 18 years to 65 years
- Children aged between 6 years and 21 years are covered
- Lifetime renewability
- 100% payout
- Portability feature
- Available for individual and family
Bharti AXA Smart Super Health Insurance Policy
As you buy this kidney health insurance policy, you can enjoy some benefits. A few of them are mentioned herein below:
- Sum insured of INR 5 lakh to INR 1 Cr
- No capping of room rent
- Annual health check-up
- Pre and post-hospitalization
- No-claim bonus up to 100% sum insured
- 100% sum insured restoration
- AYUSH treatment
HDFC Ergo Critical Illness Plan
With HDFC Ergo Critical Illness Plan, the benefits that you can avail of are:
- Sum insured of INR 1 lakh to INR 50 lakh
- The entry age is from 18 years to 65 years
- Available for individual and family
- Pre and post hospitalization
- No-claim bonus
- Two variants of the plan are available
The claim process for kidney health insurance
As we talk about claiming coverage under a kidney health insurance policy, you will get two options. The two types are cashless and reimbursement. No matter which type you are opting for, you would be required to follow a process that includes some steps. The process has to be completed in a few days or in a few weeks during your hospitalization. Usually, the process will need you to inform your insurer regarding the medical emergency or procedure. And it has to be done within a particular time frame. You have to submit a claim form and also need to submit documents. The documents will then be investigated by the insurer before they release the payment.
If you want to know more about kidney health insurance plans, you can visit the IIFL website. You will also find several other health insurance policies that might interest you.