Life Insurance with Polycystic Kidney Disease

Life insurance with Polycystic Kidney Disease

Individuals with polycystic kidney disease may experience uncertainty regarding their eligibility for different insurance options. Our goal is to provide you with a comprehensive understanding of common terms related to life insurance.

During our conversation, our advisers will inquire:

1. When were you diagnosed?
2. What symptoms do you have?
3. Besides your kidneys, are there any other organs affected?
4. Do you receive any medication?
5. Do you receive any treatment?
6. Do you need a kidney transplant?

Individuals with polycystic kidney disease may receive non-standard terms for life insurance. This indicates that the insurance company will be raising the policy premiums based on your health condition.

Life insurance premiums are typically affordable, even though the rate hikes are usually less drastic than anticipated.

It is important to choose the right insurer from the beginning as not all insurers will be able to offer you life insurance. This will be done for you.

The price of your life insurance and the most suitable insurer will be influenced by your current kidney function results. Please have your latest eGFR reading ready when you speak with us so we can better assess your life insurance options.

Critical illness cover with Polycystic Kidney Disease

Currently, there are no available choices for critical illness cover in the standard insurance market.

There are specific insurance options available that your employer might cover. It is essential to understand how your PKD can affect your claim options, as they may come with exclusions.

Income protection with Polycystic Kidney Disease

Income protection policies are typically structured to provide continuous income until retirement age. However, individuals with PKD may be presented with alternative options.

Individuals who have access to income protection are often able to secure a policy that will provide payouts for up to 2 years per successful claim. The policy is likely to not cover any claims related to your PKD.

Employers commonly provide income protection as a benefit to their employees. This option may provide important coverage for you since it can often include claims related to pre-existing conditions. Reviewing your employer’s insurance policy terms and conditions is advisable to ensure you are aware of any important details.