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10 Best Health Insurance Policies for Patients with Kidney Failure

By Vikas Chandra Das
26 August 2022, 3:22 PM

According to the Indian Renal Foundation, peritoneal dialysis costs between INR 18-20K per month, whereas hemodialysis (12 sessions per month) costs between INR 12,000 and INR 15,000. If undergoing a transplant, the patient pays approximately INR 4 lakhs in addition to INR 15,000–20,000 for medication and care. It becomes tough to bear such a high medical cost should you undergo renal treatment. A kidney transplant takes approximately INR 5 lacs and monthly expenses on treatment has to bear around INR 30000 - 35000 for the first year. However, some critical illness insurance plans typically include coverage for renal conditions such as kidney failure. These critical illnesses are part of health insurance plans offered by insurance companies. Here’s a list:

1. Bajaj Allianz Critical Illness

One of the leading insurers protects against 10 major life-threatening conditions, including cancer, heart attack, and organ transplant. Its features include: 

  • Insurance up to INR 50 lakh.
  • Entry age: Dependent children: 6-21 Years; adults: 18-65 Years.
  • Covers kidney failure necessitating routine dialysis.
  • Policy Period: One, two, or three years
  • Payment options for the premium include annual, bi-annual, and quarterly installments

Read more - Bajaj Allianz Health Insurance

 2. Bharti AXA Super Health Insurance Policy

Bharti AXA provides coverage for 20 serious illnesses, from INR 5 lakhs to INR 1 crore. The policy entails:

  • Entry age for adults is between 18 and 65, and for dependent children, it is between 5 and 23.
  • Kidney failure and routine dialysis.
  • Policy period of one, two or three years.
  • Covers genetic diseases after a 48-month waiting period.

3. Care Critical Illness Plan

 Care critical illness plan is a mediclaim that specializes in providing intensive coverage for specific critical illnesses.

Covering 32 serious conditions, including chronic kidney failure requiring dialysis, the plan has:

  • A range of sum insured options between INR 10 lakh and INR 1 crore
  • Entry age allowed is between 5 and 50 years old.
  • 2 or 3 years term.
  • Additional health services include global health coverage, doctor-on-call, day care, and ambulance coverage.

Read more -  Care Health Insurance

4. Chola MS Critical Health Plan

The Chola MS health plan is a cost-effective critical illness plan with a holistic approach to insurance by offering these benefits:

  • Lifetime renewal option is available.
  • Choose between the insured sum options of INR 3 lakh, INR 5 lakh and INR 10 lakh.
  • Choose between standard and advanced plans, including kidney failure with regular dialysis and covering 10 and 12 critical illnesses, respectively.
  • Suitable for those up to the age of 65.
  • Options for the policy period range from 1, 3 and 5 years, with a 90-day waiting period.

Read more - Cholamandalam MS Health Insurance

5. HDFC ERGO- Critical Illness Plan

HDFC ERGO critical illness plan offers these benefits: 

  • Lifelong renewal
  • It provides a lump sum of INR 5 lakhs to INR 10 lakhs.
  • It provides coverage for more than 15 critical illnesses with a choice of a one or two-year policy term.
  • Choose between silver and platinum plans, including kidney failure necessitating frequent dialysis.
  • The waiting period of the plan is 90 days and its survival period is 15 or 30 days.

Read more - HDFC ERGO Health Insurance

6. Niva Bupa Critical Illness Insurance

Niva Bupa critical illness insurance provides affordable coverage in the case of kidney failure. The policy provides these benefits:

  • It includes insurance for amounts ranging from INR 2 lakhs to INR 2 crores.
  • It covers 20 severe conditions, like kidney failure requiring ongoing dialysis.
  • Suitable for adults aged 10 years and older and youngsters 1 day to 21 years of age.
  • You can pay the full price upfront or with an additional 10% payment over the next five years.
  • Direct claim settlement is available.

7. Reliance Critical Illness Plan

The critical illness plan by Reliance Insurance has been a lifesaver for many families hit by an illness. The policy provides benefits like: 

  • The sums insured are between INR 5 lakh, INR 7 lakh and INR 10 lakh.
  • It also covers cases of advanced kidney failure requiring dialysis.
  • It covers ten significant diseases and operations.
  • Adults between 18 and 65 must undergo a medical examination and entry age.
  • Policy terms of one and three years.

8. State Bank of India Critical Illness Plan

SBI critical illness plan provides benefits like:

  • Coverage for 36 serious illnesses, including dialysis and end-stage renal disease.
  • There is a 48-day waiting period before it covers pre-existing conditions.
  • It is appropriate for anyone under the age of 65.
  • A discount of 5% for two members and 10% for three or more people covered under the same plan.

9. Tata AIG Criticare

  • It provides second opinion advantages in addition to covering 11 severe conditions.
  • It includes renal failure dialysis therapy.
  • The insurance coverage ranges from INR 2.5 lakh to INR 15 lakh.
  • It has a one-year policy duration.

Read more - TATA AIG Health Insurance

10. Star Criticare Plus Insurance Policy

The policy covers nine serious illnesses, including dialysis and chronic kidney disease. That apart, it offers: 

  • Lifelong renewal.
  • Non-allopathic treatment when a critical illness is paid for upon diagnosis.
  • Eligibility to anyone between 18 and 65 years.

Read more - Star Health Insurance


Going through renal dialysis or a transplant will deplete your savings and put your family members through emotional hardship. Concentrate on improving your health while critical illness cover manages the finances. In addition to this, the insurer will also provide financial assistance to your family if you have a loss of income while receiving treatment.

Read more - Benefits of Health Insurance in India


1. Can I claim a tax deduction on my health insurance policy?

It is a suitable instrument for tax planning because Section 80D of the Income Tax Act offers tax savings on premiums paid for health insurance. This deduction is available for the individual, their spouse, their parents, and any dependent children.

2. What is Dialysis?

Dialysis is an artificial kidney failure treatment that helps your body eliminate toxins and extra fluids by filtering your blood. Stage 5 kidney illness, sometimes an end-stage renal disease, prevents the kidneys from naturally filtering blood. Unwanted poisons and waste will consequently accumulate in the body. At this time, dialysis enhances overall health and life extension.

3. What is the average cost of dialysis in India?

In India, the average monthly cost of dialysis treatment ranges from INR 4,000 to INR 15,000. The fees may vary depending on the hospitals in different cities. Health insurance coverage might assist you in maintaining your financial independence and security amid a medical emergency such as end-stage kidney failure. You need not worry about raising significant sums of money in urgent circumstances. You can afford the costs of dialysis or a kidney transplant if you have decent health insurance coverage.

4. Can I claim my recently diagnosed kidney disease on my current health insurance policy?

All health insurance plans cover dialysis costs if kidney illness is discovered for the first time while a health insurance policy is still in effect. The sum insured is available, and the kidney disease claim is valid.

5. Should I inform my insurer about my pre-existing kidney ailment?

It is crucial to let your health insurer know about any existing medical conditions. It is much more critical for severe illnesses like a renal disease because practically all health insurance providers cover such situations. Check first with your health insurance provider to see if renal diseases are covered or not.

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