Best Critical Illness Health Insurance Policies Which Cover Dialysis

Critical illnesses such as Cancer, Heart stroke, Kidney Failure and others require immediate medical attention. However, often the rising cost of medical treatments makes it difficult for the diseased to get the required medical help. The critical Illness insurance plan covers the lump-sum amount that pays for the exorbitant medical expenses of these life-threatening diseases.

Critical Illness Insurance Plans covers the insured against serious illness to provide aid in monetary terms. Kidney failure features among the list of the vast critical illnesses covered under critical illness insurance plans.

10 Best Kidney Failure Insurance Plans in India

If you are looking for the best Kidney Failure Insurance Plans in India, here is the list to check forthwith:

1. Bajaj Allianz Critical Illness

• Insured Amount up to Rs. 50 lakh for 10 critical illnesses.
• Entry Age for Adults- 18-65 years and dependent children- 6-21 years.
• Cover Kidney Failure that requires regular Dialysis.
• Policy Period- 1year/ 2 year/ 3 year
• Premium can be paid on installments- Annual, Half-yearly or Quarterly

2. Bharti AXA Super Health Insurance Policy

• Insured Amount covers from Rs. 5 lakh to Rs. 1 crore for 20 critical illnesses.
• Entry age for Adults ranges from 18 to 65 years and for dependent children from 5 to 23 years.
• Comprises Kidney failure with regular Dialysis.
• The policy period can be chosen by the insured for 1 year, 2 years or 3 years. 
• Also covers genetic disorders after a waiting period of 48 months.

3. Care Critical Illness Plan (formerly known as Religare Health Insurance)

• The insured can choose the amount from Rs. 10 lakh to Rs. 1 crore.
• The insurance covers 32 critical illnesses, including Kidney failure with regular Dialysis.
• Average entry age ranges from 5 years to 50 years.
• Tenure- 1/2/3 years
• Other health services include global health-cover, doctor-on-call, daycare treatments and ambulance cover.

4. Chola MS Critical Health Plan

• Lifetime renewal.
• Select from insured sum option from Rs. 3 lakh, Rs. 5 lakh and Rs. 10 lakh.
• Choose from two plans, Standard- covers 10 critical illnesses and Advanced Plans- cover 12 critical illnesses, both including Kidney Failure with regular dialysis.
• Suitable for people up to 65 years of age.
• Policy period options are 1,3,5 years with a waiting period of 90 days.

5. HDFC Ergo- Critical Illness Plan

• Lifelong renewability.
• Offers lump sum of about from Rs. 5 lakh to 10 lakh.
• Covers over 15 critical illnesses with an option of one or two-year policy coverage period.
• Choose from Silver and Platinum Plan, both comprise of Kidney Failure requiring Dialysis regularly.
• The survival period of 30 days and a waiting period of 90 days from policy inception.

6. Max Bupa Critical Illness Insurance

• Covers the insured amount from Rs. 2 lakh to Rs. 2 crores.
• Coverage for 20 critical illnesses, including Kidney Failure Requiring Regular Dialysis
• Suitable for individuals from 10 years to 65 years and children from 1 day to 21 years.
• Opt for payment in a lump sum or lump sum with an additional 10% payment for subsequent 5 years after payment of the amount.
• Offers direct claim settlement facility. 

7. Reliance Critical Illness Plan

• Sum insured amounts range from Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh.
• Includes for an end-stage Kidney failure requiring Dialysis.
• Covers 10 major illnesses and surgeries.
• Entry age and medical check-up for adults from 18-65 years of age.
• Policy period for 1 year and 3 years.

8. SBI Critical Illness Plan

• Covers 36 critical illnesses, including end-stage kidney failure and dialysis treatment.
• Covers pre-existing disease with a waiting period of 48 days.
• Suitable for people up to 65 years of age.
• A discount of 5% on 2 members and 10% if more than 2 members are covered under the same plan.

9. Tata AIG Criticare

• Covers 11 critical illnesses and offers second opinion benefits as well.
• Includes dialysis treatment for kidney failure.
• Sum insured from Rs. 2.5 lakh to Rs. 15 lakh.
• Policy period of 1 year.

10. Star Criticare Plus Insurance Policy

• Lifelong renewal guaranteed.
• Policy covers 9 critical illnesses among Chronic Kidney disease including Dialysis.
• With the payment on diagnosis of critical illness, it covers non-allopathic treatment as well.
• Any person between 18 years and 65 years of age are eligible for insurance.
• Insurance cover per individual only.

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Take Away

Now that we have covered the 10 Best Kidney Failure Insurance Plans in India, you can choose what suits the best for you.

Do review the survival and waiting period of the policies and whether they are renewed periodically. Also, check their cancellation policy. Keep these few points in mind to choose an authentic Critical policy cover for Kidney Failure.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.