Critical Illness Insurance for Kidney Failure
Kidney is a bean shaped organ present in pair that helps in filtering toxins from the blood and passes waste in the form of urine from the ureter into the bladder. It also regulates blood pressure and maintains water balance. When a single kidney or the pair fails to perform this crucial functionality in the body, it leads to life threatening effects. Such a disorder or condition of the kidney is known as end stage renal disease or kidney failure, which either requires regular dialysis or kidney transplantation. Long standing Diabetes Mellitus and hypertension are the most common causes for this condition.
As per the Indian Renal Foundation, the cost of getting haemodialysis (12 dialysis / month) is around Rs. 12-15,000/- per month whereas for peritoneal dialysis it is around Rs. 18 to 20,000/- per month. In case of transplantation the patient has to shed around Rs. 4 lakhs on an average, plus post-transplantation medication and treatment requiring another Rs. 15-20 thousand rupees. In case of a kidney failure, bearing such a huge medical expense becomes difficult. Undergoing kidney dialysis or transplantation would not only wash away your accumulated savings but also lay emotional stress on your family members.