Does Health Insurance Cover Dialysis?

Chronic kidney disease(CKD) or kidney failure is a serious medical condition that requires long-term treatment. Dealing with the financial strain of expensive dialysis treatments creates a significant burden for many individuals. The Indian health insurance sector plays a significant role in ensuring that CKD patients get the required treatment. Patients who need dialysis now don’t need to stress due to the costly life-saving treatments. They can avail of the benefits of the best health insurance policies and get the claims for their kidney failure treatment.

If you or someone in the family is at risk of developing kidney issues, investing in a suitable health insurance policy can be a smart decision. With the right coverage, you need not bother about the massive bills of the treatment or stop the dialysis treatment due to financial constraints. Let’s read on more to know about the nuances of  dialysis covered under medical insurance.

Who Needs Dialysis?

Individuals experiencing end-stage renal disease (ESRD) or ultimate kidney failure require dialysis. Acting as an artificial filtration system, dialysis effectively removes accumulated waste from the bloodstream through the urinary tract system. It helps manage and alleviate the complications associated with advanced kidney disease.

Generally, lifestyle diseases such as high blood pressure, diabetes, and lupus aggravate the critical situation of kidney disease. It rarely shows its early signs or symptoms. Sadly, most patients come to know about this disease when it becomes chronic. In the absence of lifestyle improvements, medications, and treatment, chronic kidney disease transforms into kidney damage.

Primarily, there are two types of dialysis:

1. Hemodialysis

Prior to  the procedure of hemodialysis, a minor surgery is done. The surgeon connects an artery and vein in the patient’s arm so that the bloodstream will be easily accessible. Then, the patient’s blood is filtered through a dialysis machine to eliminate toxic ingredients from it. This blood is sent to a dialysis solution through the dialysis machine. This solution is made up of water, salt, and other additives. Once the blood is purified, it is sent back to the body through a needle. This process usually takes 3-5 hours three times a week.

2. Peritoneal Dialysis

About three weeks before the beginning of the peritoneal dialysis treatment, a minor surgery is done. In this surgery, a catheter tube (soft and thin tube) is inserted inside the patient’s abdominal lining (peritoneum). During peritoneal dialysis, one end of the inserted tube is connected to the dialysis bag, which contains a cleansing solution to absorb wastes from the blood. Then, the clean blood is circulated to the body. This procedure continues for about 60 to 90 minutes.

Get Coverage for Dialysis Treatment, With Care Critical Illness Insurance!

To ensure your and your family’s well-being, Care Health Insurance offers Critical Illness Insurance. This policy shields you from the burden of medical bills associated with dialysis treatment. You don’t need to cut back on your weekly sessions or stop dialysis treatment due to lack of funds. Care Critical Illness Insurance covers 32 critical illnesses, offering seamless claim settlements for your peace of mind.

Care Health Insurance extends the benefits of medical insurance to people of all income sizes and groups. We understand that a proactive approach is required to address the challenges posed by substantial medical inflation, aiming to tackle the issue at its core. Care Critical Illness Insurance policy has made life-saving dialysis technology accessible for all. The policy serves as a gateway to recovery from critical illnesses, and you no longer worry about ‘is dialysis covered under health insurance.’

>> Also Read: Learn How to Choose Health Insurance to Manage Dialysis Cost

What Makes the Care Critical Illness Insurance Policy a Great Option?

Given below are some of the reasons why Care Critical Illness Insurance Policy is the ideal solution:

1. Cashless Hospitalisation

Care Health Insurance has tied up with over 22,900 network hospitals to provide you with a cashless benefit. You can get your weekly dialysis sessions done in your nearest network hospital.  You don't need to worry about medical bills piling up. Depending on the coverage that you have opted for, your dialysis treatment bills will be borne by the insurance provider. 

2. Critical Illness Cover

Care Critical Illness Insurance provides a comprehensive cover with respect to any critical illness treatment. You will get coverage for 32 kinds of critical illness. Please keep in mind that your coverage will be effective once you complete the policy’s waiting period. 

3. Global Coverage

Care Health Insurance has a worldwide chain of network hospitals. This is a global health insurance company. You can opt for the policy anywhere in the world and manage your out-of-pocket medical expenditures without any financial stress. 

4. Daycare Expenses

Up to 540 daycare treatments are covered under this policy. This is only applicable in the case of daycare hospitalisation.. Most Care Health Insurance plans allow you to get the claim up to the sum insured amount of the money. 

5. AYUSH Treatments

Care Health Insurance provides great relief to people who prefer AYUSH Treatments. Most of the plans offered by Care provide medical cover for AYUSH Treatments. This is only applicable if you receive treatment from a licensed AYUSH medical practitioner.

6. Annual health check-ups

As per the plan coverage, you may get free annual health checkups. These check-ups typically include blood tests, urine tests, ECG tests, and kidney tests. 

7. Optional benefit

You can customise your policy and include organ donor cover, alternative treatments, and NCB in your health insurance package. 

8. Tax benefits

When you pay health insurance premiums, you can get tax benefits u/s 80D of the Income Tax Act. By paying the premium for your family, you may be eligible for tax savings of up to INR 1 lakh. This depends on your age and the age of the other insured members.

Key Takeaways!

To sum up, the need for dialysis treatment has been escalating in India because of the surge in kidney failure cases. If you have been worried and thinking ‘is dialysis covered under mediclaim,’ you should consider the Critical Illness policy by Care Health Insurance and reduce your financial stress. The policy will cover your post-hospitalisation phase and offer coverage of dialysis treatment up to the sum insured as per the plan details. As a result, you can focus on your or your loved one’s kidney health without monetary woes.

The Care Critical Illness Insurance policy can play a pivotal role in making life-saving dialysis technology accessible to everyone.

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.