Chronic Kidney Disease & Life Insurance
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Chronic Kidney Disease & Life Insurance
When you have CKD it is essential that research is done to find the right insurer for you. Arranging life insurance when you have CKD can be tricky and it is our job to make things as simple for you as possible.
The majority of insurers will want to know very specific details about your CKD. The main thing that the insurers want to know is how well your kidneys are working and how much it is affecting your health overall.
To get things started we will ask you:
- When were you diagnosed with CKD?
- Do you know your latest eGFR reading?
- Have you needed surgery?
- What medication do you take?
- Do you require kidney dialysis?
- Has your CKD caused you to have anything like a heart attack or stroke?
- Have you had a kidney transplant?
There are a lot of ways that you can answer these questions and they can all lead to different outcomes for your life insurance. A really key part of finding the right insurer for you is to know your most recent kidney function result, your eGFR reading. Insurers will ideally want your reading to be as high as possible.
When you have CKD life insurance in the UK might be available to you at an increased premium. This never sounds good, but life insurance is usually quite cheap, and the increase is often not as high as people think it will be.
It is also really useful to know if you have been told that what stage of chronic kidney disease that you have reached. The insurer will want to see a report from your GP before offering you insurance and any information like this at the start, means that we can plan your options. The insurer will ask for your permission to speak with your GP and there is no charge to you.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Chronic Kidney Disease & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
When you have CKD it is unlikely that you will be able to arrange critical illness cover within the standard insurance market of the UK. There are specialist options that you can potentially apply for, but they will likely exclude claims linked to the CKD and this is quite an extensive exclusion.
We strongly suggest that you speak with an adviser if you have found a critical illness policy that is offering you automatic acceptance without medical underwriting. There will be specific information in the terms and conditions, that could mean that the policy does not do what you want it to do.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Chronic Kidney Disease & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
You might find that you have more options of income protection, than you do for critical illness cover. This is because there are many ways to build income protection, but it is very important to be clear that a claim will not be paid if you are unable to work due to your CKD.
There are still many situations that might cause you to stop working, that have no connection to your CKD, but it is essential that you are aware that there will be an exclusion. We can discuss this with you and support you to understand the wording of these insurances, so that you can decide if you want income protection.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Chronic Kidney Disease & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place, that can support your CKD diagnosis. You can find out more about getting a quote on our travel insurance page.
What is Chronic Kidney Disease?
Chronic Kidney Disease (CKD) is diagnosed when a person’s kidneys no longer work at their best. This means that the kidneys are no longer able to filter waste out of your blood as well as they used to. This can have an affect on the other organs in your body that can lead to other conditions.
Linked with: High blood pressure, kidney stones, urinary tract infections, kidney failure, Autosomal dominant polycystic kidney disease, PKD, ADPKD, Autosomal recessive polycystic kidney disease, ARPKD, kidney transplant, heart attack, stroke, brain aneurysm, high cholesterol, subarachnoid haemorrhage, lupus, diabetes
Possible Effects on Lifestyle
Some of the symptoms people may experience living with Polycystic Kidney Disease:
- Back pain
- Blood in the urine
- Heaches
- Itchy skin
- Low salt diet
- Nausea
- Stomach pain
- Swollen ankles, feet and hands
- Weight loss
Medications and Treatments
- Antibiotics
- Antidepressants
- Blood pressure medication
- CT Scan
- Extracorporeal shock wave lithotripsy
- Kidney dialysis
- Kidney transplant
- MRI
- Oxycodone
- Paracetamol
- Tolvaptan
- Tramadol
Further Reading and Research
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Common Questions
Hi, it is lovely to hear from you and I am sorry that XXX have said that they cannot insure you. I would be delighted to help you. So that I can determine the best life insurance option for you I will need to know some details about you. Things like your age, if you are a smoker, when you were diagnosed with CKD and some more bits too.
Let’s arrange to have a chat and I will be able to give you a clear idea about the types of life insurance available to you.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 807 reviews.
Review by Dan & Jill on 1st August 2023
“Kathryn and the team are excellent. Kathryn was excellent throughout the process, regularly keeping us informed and sought out the best policy/premium for us. Would highly recommend Kathryn and the team to anyone” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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