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You are here:  Home Products Life Insurance With Medical Conditions Chronic Kidney Disease (CKD)

Life Insurance with Kidney Disease

Overview

We have created the information below and the enquiry questions for those who suffer from Kidney Disease.

Having Kidney Disease does not mean all mainstream insurers will not you cover.

However, not all will offer cover if you have more severe Kidney Disease or if other conditions cause it or combine with it to affect seriously your health.

Pulse specialise in finding cover for those who have been declined whether they have severe Chronic Kidney Disease or have other conditions or complications.

Cover is not always available, but we like to think if it is, we will find it for you.

 

Causes of Kidney Disease

Chronic Kidney Disease can be caused by a number of other conditions of which you should give details when making your enquiry.

These include non-kidney conditions such as :-

  • High Blood Pressure – over time, this can put strain on the small blood vessels in the kidneys and stop the kidneys working properly
  • Diabetes – too much glucose in your blood can damage the tiny filters in the kidneys
  • High cholesterol – this can cause a build-up of fatty deposits in the blood vessels supplying your kidneys, which can make it harder for them to work properly

In addition you should give details if any of the following are relevant to or cause your Kidney Disease:-

  • Kidney infections
  • Glomerulonephritis – kidney inflammation
  • Polycystic Kidney disease – an inherited condition where growths called cysts develop in the kidneys
  • Blockages in the flow of urine – for example, from recurrent kidney stones or an enlarged prostrate
  • long-term, regular use of certain medicines – such as lithium and non-steroidal anti-inflammatory drugs (NSAIDs)

Beyond Your Kidney Disease

If you have any unrelated conditions as well, you should of course provide details of these too when making an enquiry.

 

Make a Life Insurance Enquiry

If you need a specialist underwriter.

If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Kidney Disease and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.  

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.

It will be easier to find cover if your condition has become stable.  It is almost inevitable that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.

Your application with Pulse Insurance will always be individually considered by our underwriters based on the specifics of the details you provide.

If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.

 

Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are rather good at helping people find the cover they need.

In most cases of Kidney Disease, we can offer indicative premiums and/or a sense of whether cover may be available or not early on; so you can decide how to proceed.

 

Being Transparent

It is always important to declare your Kidney Disease and any other medical conditions completely.  Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.

 

Your Personal & Medical Details

Everything you disclose about your Kidney Disease and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

 

Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.

Life cover is issued based on a “snapshot” of your health.  Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.

 

 

Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Kidney Disease and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– p in full.

 

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to medical.reports@pulse-insurance.co.uk or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family. 

Need help? Call us on: 01280 841430