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If you’re diagnosed with kidney failure, the medical bills and time spent recuperating away from work can be astronomical. Critical illness insurance can make sure you don’t end up buried in debt so that you can focus on getting better.
Critical illness insurance pays out a lump sum in the event that you develop a serious illness that is listed in the policy. This lump sum can be used to cover medical costs, lost income, travel for treatments or anything else.
Many policies will cover kidney failure. Most insurers will recognize kidney failure as:
Critical illness insurance can help with immediate and future expenses, including:
Many people make the mistake of thinking that they have enough coverage in place from health insurance. While your insurance can help with medical costs, deductibles, copays, missed work and even potentially losing your job can lead to serious financial trouble.
Make sure you’re prepared to answer these types of questions during the application process:
The kidneys filter the blood and remove toxins that poison the body. Kidney failure occurs when nephrons inside the kidney are damaged and are no longer able to filter blood. This can eventually lead to a dangerous buildup of fluids and toxins in the body.
Loss of kidney function over a period of time is known as chronic kidney disease, or CKD. Cases that have progressed to the end stage are known as kidney failure and will result in death unless the patient undergoes a kidney transplant.
While people with generally unhealthy lifestyles may be more prone to kidney failure, it can affect anyone at any time. According to the National Institute of Diabetes and Digestive and Kidney Diseases, over 661,000 Americans have kidney failure.
Chronic kidney disease is often the result of a number of different conditions including:
People suffering from chronic kidney disease will generally have the following symptoms:
While there is no real cure for kidney failure, there are things that can be done to manage the illness. People in end-stage kidney failure can be treated with dialysis for a while, but will eventually need a transplant to survive.
Certain steps can be taken to lead a healthy lifestyle and prevent chronic kidney disease from occurring:
If you are diagnosed with kidney failure, you’ll need dialysis and/or a kidney transplant to live, which means high medical bills and a significant amount of time off work. Critical illness insurance can help make sure that you remain financially stable if you get sick.
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