If you've searched online for health insurance that covers chronic kidney disease then you are probably for looking for trusted UK based health insurance providers that can cover chronic kidney disease.
Our advice when looking for private medical insurance that covers chronic kidney disease is to speak to a insurance broker. Health insurance is incredibly complicated and if you want complete certainty that chronic kidney disease is covered you should talk with a medical insurance broker who can explain which providers will cover this medical condition and which will exclude it.
There are many advantages to using a broker but the biggest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.
- Do you reside in many different postcodes? Some will give you a cheaper policy premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different insurance policies?
- You've developed a certain condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every health insurance provider you can find and ask if they cover chronic kidney disease, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its far far quicker to speak to one health insurance broker which will know which policy providers on the market cover chronic kidney disease and under what terms they do or don't cover it.
Chronic Kidney Disease Information
Chronic kidney disease (CKD) is a long-term condition where the kidneys do not work effectively.
CKD does not usually cause symptoms until it reaches an advanced stage. It is usually detected at earlier stages by blood and urine tests. Main symptoms of advanced kidney disease include:
Read more about the symptoms of chronic kidney disease
Chronic kidney disease is most frequently diagnosed through blood and urine tests.
If you are at a high risk of developing CKD, you may be screened annually. Screening may be recommended if you have:
Read more about diagnosing chronic kidney disease
The kidneys are two bean-shaped organs, the size of your fist, located on either side of the body, just beneath the ribcage. The main role of the kidneys is to filter waste products from the blood before converting them into urine. The kidneys also:
Chronic kidney disease is the reduced ability of the kidney to carry out these functions in the long-term. This is most often caused by damage to the kidneys from other conditions, most commonly diabetes and high blood pressure.
Read more about the causes of chronic kidney disease
CKD is common and mainly associated with ageing. The older you get, the more likely you are to have some degree of kidney disease.
It is estimated that about one in five men and one in four women between the ages of 65 and 74 has some degree of CKD.
CKD is more common in people of south Asian origin (those from India, Bangladesh, Sri Lanka and Pakistan) and black people than the general population. The reasons for this include higher rates of diabetes in south Asian people and higher rates of high blood pressure in African or Caribbean people.
There is no cure for chronic kidney disease, although treatment can slow or halt the progression of the disease and can prevent other serious conditions developing.
People with CKD are known to have an increased risk of a heart attack because of changes that occur to the circulation.
In a minority of people, CKD may cause kidney failure, also known as established renal failure (ERF) or end-stage kidney disease. In this situation, the usual functions of the kidney stop working.