Kidney Disease and Life Insurance


Kidney disease is a serious medical issue that many life insurance companies are cautious of. If you’ve been diagnosed with kidney disease of any kind, then you may find it difficult to get the life insurance coverage that you want. And if you do manage to find providers that offer life insurance, then it’s likely that their policies will come at higher premiums or with an exclusion relating to your kidneys.

If you’ve been struggling to find life insurance for kidney disease, let Special Risk Managers help. We’re recognised as leading experts in finding comprehensive and affordable life insurance for those with serious medical conditions, giving clients more options for protecting themselves and their families.

Whether you’re looking for life insurance packages, trauma insurance, TPD insurance or income protection, we can help you find it. Call us today on 1300 665 356 to get started or fill out the questionnaire below.

 

Types of Kidney Disease

Kidney disease is a general term for diseases and conditions that damage your kidneys and affect its normal function. Although there are many types of kidney disease, it is usually classified into either Acute Kidney Injury or Chronic Kidney Disease (CKD).

Acute kidney injuries are often short-term conditions, but they can also lead to chronic kidney disease in some cases. Cases classified under this category often involve issues that cause sudden kidney damage or failure.

Chronic kidney diseases, on the other hand, are long-term conditions that typically build up over several years. Cases of CKD are usually categorised under one of five stages, depending on its severity and the level of kidney damage.
 

 

Life Insurance Complications with Kidney Disease

Most standard insurance companies regard kidney disease – whatever type it may be – as a serious medical injury. This is due to two main reasons:

First, the kidneys are among the most vital organs in the human body. In fact, our bodies rely on our kidneys daily to function properly, and any damage to your kidneys could affect your body’s normal functions and lead to damage to other organs. Because of the kidney’s central role in your health, life insurance companies typically view kidney disease as a major red flag, or at the very least, an issue to consider heavily.

Second, kidney disease (especially chronic kidney disease) is often associated with other serious health issues like high blood pressure, cardiovascular diseases, and diabetes. This makes kidney disease itself a significant risk factor in the eyes of insurance companies.

Because of these factors, many life insurance companies consider kidney disease as a serious medical condition that require in depth underwriting.

Kidney Disease in Australia

Kidney disease, particularly chronic kidney disease, is one of the most common diseases in Australia. According to Kidney Health Australia, up to 1 in 10 Australians have CKD, with 1 in 3 facing an increased risk of developing the disease. This is alarming because less than 10% of Australians with CKD are even aware that they have it, with Kidney Health Australia estimating that more than 1.5 million Australians are unware that they have indicators of CKD.

Adult Australians who have or have had the following serious medical conditions also face a higher risk of developing chronic kidney disease:

– Diabetes
– High blood pressure
– Heart attack or heart problems
– Obesity
– Stroke

These serious medical conditions are coincidentally also among the most problematic health issues that Australians face today, making kidney disease an even bigger risk.

This isn’t helped by the fact that kidney disease is considered a “silent disease”, often showing little to no symptoms until it becomes severe. In fact, according to Kidney Health Australia, a person with chronic kidney disease can lose as much as 90% of normal kidney function before any clear symptoms surface. This is why early detection and treatment are critical. When kidney disease is detected and treated early, many of its effects on a patient’s health and lifestyle can be minimised or, in some cases, even reversed.

Unfortunately, Australian mortality rates associated with kidney disease remain high. According to Kidney Health Australia’s research, kidney-related diseases (including those involving the urinary tract) were the 10th leading cause of death in Australia in 2014, causing about 14% of the total deaths in the country. Their research also found that kidney-related diseases cause the death of more Australians than breast cancer, prostate cancer, or even road traffic accidents.

Given this data, kidney disease is clearly a medical condition that every Australian should get protection for as much as possible.

Getting Life Insurance with Kidney Disease

If you’ve been diagnosed with chronic kidney disease or have a history of acute kidney injuries, you might find it difficult to obtain the life insurance you require. But don’t give up on your search just yet – with Special Risk Managers, you can find your best options for life insurance despite having kidney disease.

Our life insurance specialists are experts in finding appropriate life insurance coverage for those with serious medical conditions or those who have been previously rejected by life insurance companies. In fact, insurance advisers regularly turn to us for assistance in finding life insurance options for their high-risk clients.

With our expertise and extensive network of suppliers and insurance companies, we offer all the resources you need to find the life insurance you’re looking for. Whether you’re after life insurance, TPD insurance, trauma insurance, or income protection, our specialists will see to it that you get the cover you deserve.

Call 1300 665 356 today to talk to one our life insurance specialists and start protecting your future from kidney disease.

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