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In the UK, Kidney Disease is a growing issue. It’s estimated that around 3 million people in the country have Chronic Kidney Disease (CKD) according to Kidney Care UK, and 20 people develop kidney failure every day. About 55,000 people in the UK are on dialysis or receiving follow-up care for a kidney transplant.

At iam|INSURED, we specialise in helping people with pre-existing medical conditions like kidney disease find life insurance that they need.

Life insurance, critical illness cover, and income protection can all provide you or your family with financial support through difficult periods.

Life insurance and kidney disease

If you’re concerned about the financial struggles that you might face if you get diagnosed with an illness like kidney disease, then life insurance products can offer financial security to you and your family if you are diagnosed with this type of condition.

Most forms of cover, like polycystic kidney disease life insurance for example, will depend on the severity of your condition. Life insurance companies may look at information such as your medical report, GFR, or other readings when setting up the policy.

Other kidney conditions like kidney stones may be more dependent on other factors, such as whether you’ve fully recovered, how many there were, and whether you’ve had any recurrence.

About iam|INSURED

We are the UK’s top-rated life insurance and personal protection insurance experts for people with medical conditions. We’ve helped thousands of families to get the BEST life insurance with osteoporosis and other medical conditions.

Our customers have given us a PERFECT rating of 5.0 out of 5.0 and we’re proud to have won the Feefo Gold Trusted Service Award 2021 and 2022.

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Rating: 5.0 out of 5.0 (Over 800 reviews)

Does life insurance payout for kidney disease?

YES – standard life insurance does not exclude pre-existing medical conditions, so if you pass away as a result of kidney disease or a condition linked to it, then life insurance will pay out a cash lump sum to your family.

There are a few different conditions that fall into the category of kidney disease, and each one may be treated differently from insurer to insurer. Some examples are:

Does critical illness cover payout for kidney disease?

YES – some forms of kidney disease will trigger a payout on your critical illness cover. If you take out a policy and then suffer kidney failure, for example, then the critical illness cover will pay out a lump sum to help cover costs such as:

  • Lost income in you can’t work for some time
  • Treatment or medication
  • Bills and other outgoings

Critical illness cover is designed to ease the financial burden after diagnosis of a serious illness to make sure that you can continue to live your normal lifestyle.


Will income protection payout for kidney disease?

YES – an existing income protection policy will cover you if you get diagnosed with certain kidney diseases. You can claim on most policies for 12 – 24 months for sickness and time off work.

Income protection generally pays a lot more than statutory sick pay, so it can be extremely valuable to someone suffering from kidney disease given the plethora of reasons why they may be forced to take time off work.

These reasons include:

  • Recovery from a transplant
  • Dialysis
  • Recovering from severe symptoms

In addition, up to 1 in 3 kidney disease patients are estimated to suffer depression at some stage, which may also warrant time off.


Can a kidney patient get life insurance?

YES – our team has a vast amount of experience finding life insurance for people with pre-existing medical conditions, including kidney disease. The insurer may need to see your medical records before they offer the cover, but this is completely normal and with your permission, they will simply write to your GP to obtain this.

Some questions you may be asked when applying for kidney disease life insurance:

  • When were you first diagnosed?
  • Do you know your kidney function readings?
  • Have you had or are you awaiting a transplant?
  • Are you on or have you had dialysis, and when was this?
  • Is your condition stable?

Don’t worry if you don’t know the exact answers to these questions as the insurer will simply refer to your medical records, however, it might help to get an indication a bit quicker if you can answer them.

Does critical illness cover kidney disease?

YES – even at early stages, kidney disease increases the risk of critical illness due to many factors associated with the condition.

In addition, other conditions are linked to kidney disease and some of them can be caused (or be caused by) it, such as:

Useful information for people with kidney disease

Here are some useful resources for people with kidney disease

Kidney Research UK

Facts and Stats – Kidney Research UK

Medical Conditions – iam|INSURED

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