Kidney Disease Insurance - What you need to know
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At Cura, we specialise in finding the right level of insurance for those who have been diagnosed with kidney disease. Our expert knowledge and whole of market access to insurers means that we can find the best insurance for you, taking away the stress from applying for insurance.
What is kidney disease?
Kidney disease is classed as any kind of condition that is causing your kidney to not function in the way it should.
There are a few reasons why people may develop kidney disease:
- Kidney infection
- High blood pressure
- High cholesterol
- Some long term medications can lead to kidney disease
- Kidney stones
- Enlarged prostates
Kidney disease can be hard to identify and diagnose as in the early stages, symptoms can be quite dormant and commonly go unnoticed.
As kidney disease progresses, symptoms can consist of shortness of breath, blood in your urine, weight loss, swollen ankles, itchy skin and difficulty sleeping.
If you are experiencing these symptoms, you should visit your GP to ensure your kidney is operating as it should.
If you have kidney disease, why should you speak to us?
At Cura, we are a family run business with experts on board that have spent years training on conditions like kidney disease and how this mixes with insurance. After listening to you, because you are the expert on your health, we will research the market and find the right insurer for you, so you can be sure you are getting the best level of protection.
Some insurers will need to see reports from your GP and with some conditions, they might ask you to take part in a nurses screening; where a nurse calls you to ask a few questions surrounding your illness, possibly taking some blood and urine samples.
When you come to us, we will ask you specific questions about your health that go beyond the questions you will see in insurance forms. This is because we know all the extra bits that the insurers need to know about your health, that don’t come up on the standard forms.
Can we still help if you are deemed ‘uninsurable’?
Cura is known for insuring the uninsurable.
We have a number of people come to us that have previously been told they can’t get cover with various insurers; this could be for a number of reasons – from the systems the insurers use to the medical knowledge they possess.
At Cura, we know the different routes to take and different insurers that we can approach, which means we have been able to secure insurance for people that have previously been rejected a standard rate for their insurance. This is because we are not tied to any insurer, so we are free to find the insurer that is right for you.
The impact of Coronavirus
For people that are living with kidney disease, the options of insurers were increasing more and more prior to the COVID-19 outbreak.
However, insurers have now brought their risk appetite down which can make it harder for people with long term disease or illness to secure an insurance policy.
This is why it’s important to approach a specialist broker like us who can put you in touch with specialist lenders and use our in-depth knowledge of the market to get you the cover that you need.
One of the first things we will ask you for is your GFR readings, your creatinine levels, the date of diagnosis and the treatments you have had or are currently having.
A GFR reading relates to the measure of how much blood the kidneys are cleaning per minute. The average reading is roughly 100 and the reading helps to establish the ‘g stage’ of the kidney function – which lets us and the insurer know where your kidney function is sitting.
It’s important to note that there are many factors that affect your kidney function and your GFR readings, such as the following:
- If you are an athlete
- If you are a bodybuilder
- If you have an eating disorder
- If you are of black ethnicity, you GFR reading can naturally be slightly lower
If any of the above applies to you, your GFR could be lower and it may not necessarily be a huge cause for concern when it comes to finding the right insurance policy.
If you’re already on a treatment plan, how will this affect your insurance?
If you are currently waiting for dialysis or kidney transplant, we may need to look at a more specialised route of insurance. The reason that people waiting for a transplant may need to seek an insurer more specialist, is down to the fact that you are about to embark on major surgery and some insurers will see your situation as a high risk for a claim.
Your options with insurers are usually more open once you have completed medication and your kidney function is within normal ranges. This doesn’t mean to say you can’t explore your options while you are in the process of taking your medication. Some insurers could offer you insurance in the meantime and we can then revisit your options once you have completed any planned courses of treatment.
If you have had a transplant, it’s also worth noting that insurers like to see a bit of time between your surgery and your application for insurance. This is because they would like to see that you have no signs of rejection towards the organ.
Get in touch
If you are looking for some advice surrounding kidney insurance, or you just want to explore your options, our friendly and knowledgeable advisers are on hand to answer any questions or concerns you may have surrounding your cover. Just give us a call or pop your details on our online enquiry form and a member of the team will be in touch.
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