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Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.
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Updated on May 04, 2026 4 min read
What are the Health Insurance Policies for Kidney Ailments?
According to the studies by renowned nephrologist Dr Gurudev KC, around 10% of the Indian population suffers from kidney diseases. Shockingly, most of them pay from their pocket to get treated. Kidney treatment is the costliest treatment in India, thus having health insurance for kidney treatment is very important.
Most diabetic patients hear that they should take medicines for their kidneys as well. Have you ever thought why? Maybe, because diabetes can harm kidneys very badly. However, there are several additional reasons for kidney failure. This article will tell you what are the major reasons for kidney failure and why we must get health insurance for kidney ailments.
To Note...
- Overdose of aspirin, naproxen and related drugs can cause kidney failure.
- All critical illness plans and plans that cover pre-existing diseases cover the cost of dialysis.
- Understand your needs before buying health insurance plans for kidney patients.
What is the Role of Kidney?
The kidneys are the small bean-like organ that plays a crucial role in our body. It helps in removing waste and excess fluid and controls the production of red blood cells. This is why, it is very important to keep our kidneys healthy and functioning. However, due to so many circumstances, the kidney stops working properly, which is commonly known as kidney failure. Let us understand in detail below.
Causes of Kidney Failure
Today, it is found that one of the main causes of kidney failure is diabetes. But, high blood pressure, obesity, or the consumption of high levels of drugs can also cause kidney failure. Apart from these, the following causes can also lead to kidney failure-
- Heart attack or heart diseases
- Hospitalization Expenses
- Blood or fluid loss
- Liver failure
- Usage of Aspirin, naproxen sodium, ibuprofen, or related drugs.
- Allergic reaction
- Cashless Treatments
- High intake of toxins like alcohol
Treatments for these diseases can be very costly. But with the correct health insurance policy for kidney disease, you can get treatment at a much lower cost.
traordinary Facts
Kidney problems do not get as much attention as cancer, diabetes, or heart disease. That’s why it’s referred to as ’The Silent Killer’ - 10% of people in India are suffering from chronic kidney disorders. This highlights the importance of buying a health insurance plan covering kidney diseases like end-stage renal failure.
Top Health Insurance Plans for Kidney Diseases
| Plan Name | Available Sum Insured |
| Care Freedom Plan | Sum Insured up to Rs 10 Lakh |
| Star Critical Illness Multipay Insurance Policy | Sum Insured up to Rs 25 Lakh |
| Star Special Care | Sum Insured up to Rs 3 Lakh |
| Niva Bupa CritiCare | Sum Insured up to Rs 3 Crore |
| ManipalCigna ProHealth Prime | Sum Insured up to Rs 1 Crore |
| Aditya Birla Activ Secure Critical Illness | Sum Insured up to Rs 1 Crore |
| Care Assure Plan | Sum Insured up to Rs 3 Crore |
| ICICI Lombard Criti Shield Plus | Sum Insured up to Rs 1 Crore |
Many other plans cover the cost of kidney transplants in India. Call us now to know more about it.
What are the Types of Kidney Diseases?
Chronic Kidney Disease
It is a long-term condition in which the kidneys lose their function with time. The main causes of chronic kidney disease are diabetes, high blood pressure, and glomerulonephritis. You might feel fatigued, swelling, and changes in the urine colour, and sometimes you will have difficulty concentrating.Acute Kidney Failure
It is a sudden decrease in kidney function within a short period. Usually, this happens, due the dehydration, severe infection, and certain medications.Polycystic Kidney Disease
It is a genetic disorder that happens due to the growth of fluid-filled cysts in the kidney. Contact the doctor as soon as possible if you see blood in your urine.Glomerulonephritis
This condition is caused by an infection, autoimmune disease or genetic factors. In this, the blood pressure becomes very high and you will see blood in urine.Kidney Stones
It is the hard deposits that cause blockage in the kidney. You will feel severe pain in the back or side in this condition.Nephrotic Syndrome
When you see swelling and foamy urine along with high cholesterol levels, then it might be nephrotic syndrome. It is the group of symptoms indicating kidney damage, which also includes excessive protein in the urine.Diabetic Nephropathy
When prolonged uncontrolled diabetes causes kidney damage it is called diabetic nephropathy.Interstitial Nephritis
This involves the inflammation of the kidney’s tubules and the surrounding tissues. It mostly happens because of autoimmune diseases.
Importance of Health Insurance for Kidney Patients
The cost of kidney treatment is very high in India. But having health insurance can safeguard you from going down the financial drain. It also gives you exclusive access to the best medical facilities and treatment options.
Coverage Options
- In-Patient Hospitalization Expenses- A comprehensive health insurance plan for kidney disease covers all the expenses related to the hospitalization. This includes room charges, medical procedures, as well as nursing care during the stay in the hospitalisation.
- Pre and Post-Hospitalization- The policy covers the medical expenses incurred before and after hospitalization such as diagnostic tests, follow-up consultation, and much more.
- Kidney Transplant- Sometimes, due to the worst conditions, doctors suggest the transplantation of a kidney. A comprehensive plan also includes health insurance for kidney transplant patients, covering surgery, pre-transplant evaluation, post-care, and donor expenses. The health insurance plan for kidneys covers all these costs.
- Dialysis Treatment- Dialysis is an important aspect of kidney treatment and it is no doubt very costly. Having a good health insurance policy helps cover the cost of dialysis, no matter it is hemodialysis or peritoneal dialysis.
- Ambulance Cost- Health insurance for kidney diseases gives coverage for patient transportation to and from the hospital.
- Organ Donor Expenses- If there is a necessity for a kidney transplant, then there is a requirement for a donor as well. A good health insurance plan covers the expenses of the donor too.
- Daycare Treatment-Sometimes, it is not necessary to stay in the hospital like specific dialysis techniques. The health insurance policy covers daycare treatment for kidney patients.
How to Choose the Right Health Insurance Policy for Kidney Patients?
Choosing the right health insurance plan for kidney patients is necessary as it requires careful consideration. Here are some tips for choosing a good kidney treatment health plan.
Understand your Needs
Assess the coverage you need after determining the medical requirements. If there is any ongoing treatment then you might need a different coverage option.Compare Different Policies
Compare various options to find the best health insurance for kidney disease, focusing on coverage, premiums, and waiting periods.Check for the Network Hospital
When choosing the right health insurance plan, you need to make sure that your health insurance provider has a wide range of network hospitals. These network providers should be specialized in kidney treatment.Check the Affordability of Premiums & Deductibles
You should consider the premiums you need to pay and check for the deductibles while comparing them to the coverage provided by the policy.Read the Reviews
Before selecting the health insurance policy, get to know the company’s reputation. Read the reviews and focus on the testimonials from the existing policyholders.Ask the Expert
The experts from PolicyX are always there to help and guide you while you are choosing the best health insurance policy for kidney ailments. Ask your questions and get answers immediately.
Bottom Line
Health insurance for kidney patients in India can be a lifeline for not only the patients but their families too. It makes sure that they have access to quality medical care without getting into a financial burden. When you choose the right policy having comprehensive coverage, you will be going to safeguard your health and focus on living a healthy and fulfilling the requirements of life. Always remember, in the case of kidney problems, that prevention is better than cure.
To know more about health insurance plans covering various kidney treatments, call our advisors at PolicyX.com today!
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Health Insurance for Kidney Diseases: FAQs
1. Can I purchase health insurance if I have kidney disease?
Yes, nowadays you can get a wide-variety of health insurance plans if you have kidney disease.
2. Is there any specific coverage required for dialysis treatment?
Coverage for dialysis treatments is included in the health insurance policy for kidney patients. But you should review the policy terms and conditions before purchasing.
3. Does health insurance policy for kidney diseases cover kidney transplants?
Yes, there are several health plans available in the Indian insurance market that provides great coverage options for kidney transplants.
4. How to get health insurance for chronic kidney disease?
You need to show proofs like doctors prescriptions, treatment schedule, and consistency in your health and medical treatment to get a health insurance policy for chronic kidney diseases.
5. Can dialysis patients get health insurance?
Yes, plans that cover critical illness also covers the cost of dialysis.
6. Does the government of India pay for kidney dialysis?
Yes, Pradhan Mantri National Dialysis program is specially designed by the government of for kidney dialysis. They provide centre’s free dialysis scheme to the people below poverty line.
7. What are waiting periods specifically for kidney-related conditions?
Pre-existing kidney issues usually have a 2–4 year wait, kidney disease often 2 years, while critical illness plans need 90 days plus 30-day survival.
8. Can I get coverage even if I’m on medication for kidney issues?
Yes, you can get health or life insurance with kidney issues, though costs and waiting periods vary. Always disclose your condition fully to avoid claim rejection or policy cancellation.
9. Are there policies specifically made for chronic kidney patients?
Yes, there are policies and guidelines specifically designed to manage and prevent chronic kidney disease (CKD).
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