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Polycystic Kidney Disease life insurance

In many cases, people may assume that polycystic kidney disease life insurance is not available or is unrealistically expensive. There are, however, various options available and you should be able to find some level of cover for an affordable price.

Polycystic kidney disease (or PKD) is a form of kidney disease which causes clusters of cysts to form within your kidneys, ultimately leading to serious complications and kidney failure. Whilst PKD primarily affects the kidneys, it can also cause cysts to form in the liver and other parts of the body.

According to Kidney Research UK, there are approximately 70,000 people in the UK, both adults and children, who have PKD.

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Does life insurance pay out for Polycystic Kidney Disease?

Yes – as life insurance policies are designed to pay out if you pass away during the term of the policy, they are calculated to include any pre-existing medical conditions.

A polycystic kidney disease life insurance policy will therefore include any conditions you already have, provided that you tell the insurer about them at point of application.

More about life insurance

Does critical illness cover pay out for Polycystic Kidney Disease?

In itself, the diagnosis of PKD will not necessarily trigger a payout on critical illness cover. In severe cases, however, the condition can lead to more serious complications that might warrant a payout.

This is because each life insurance company has a list of medical conditions that they consider to be serious enough to pay out for. Each insurer differs slightly so it’s important to know which one offers the best cover for you.

If left untreated, or at advanced stages, polycystic kidney disease can lead to the following complications which may be covered by some critical illness cover policies:

  • Stroke
  • Heart attack
  • Heart disease
  • Other cardiovascular issues
  • Brain aneurysm

If you already have PKD and would like critical illness cover then you may find that your policy has an exclusion for related conditions.

More about critical illness cover

Will income protection pay out for Polycystic Kidney Disease?

Yes – if you take out income protection insurance then you will be covered if you get signed off work due to any new medical issues or injuries.

Normally, you will be able to claim a monthly benefit for a period of 12 or 24 months to help pay for your outgoings whilst you are unable to work.

The monthly payment amount is calculated based on a percentage of your gross (pre-tax) wage, which can help pay for things like:

  • Mortgage or rent
  • School fees
  • Bills and household costs

More about income protection

Can I get life insurance with Polycystic Kidney Disease?

Yes – life insurance cover is still available from many insurers even if you have been diagnosed with polycystic kidney disease, depending on the severity of your condition.

Some insurers may ask additional questions or request medical evidence when you disclose PKD on your life insurance application. This is normal and means that your policy is fully valid.

Will I need a medical to get Polycystic Kidney Disease life insurance?

It is common for some life insurance companies to ask for permission to access your medical records when you apply for life insurance cover. This is especially if you have a pre-existing condition like polycystic kidney disease. It means that they can get a better idea of your health and whether there are any additional risks to consider.

Don’t worry, as this will be paid for by the insurer and will ensure that the policy is 100% valid in the event of a claim.

The main types of medical evidence requests are:

  • Medical report / GP report
  • Nurse screening

Medical conditions linked to Polycystic Kidney Disease

Polycystic kidney disease can lead to many complications or conditions, including:

Common questions about Polycystic Kidney Disease

Here are a few of the most common questions about Polycystic Kidney Disease and living with the condition.

What is the life expectancy for polycystic kidney disease?

The life expectancy for someone who has been diagnosed with polycystic kidney disease can vary widely, from around 53 to 70 years. However, this depends heavily on the stage, severity, and subtype of the condition. (Data according to the American Journal of Neuroradiology).

Is polycystic kidney disease classed as chronic?

Yes – polycystic kidney disease is defined as a form of chronic kidney disease, which means that it is long-lasting. As such, it can lead to reduced kidney function, kidney failure, and other complications (see linked medical conditions above).

Useful resources

Here are a few useful links for people living with Polycystic Kidney Disease or looking for more information about it:

NHS Choices – PKD

PKD Charity UK

Kidney Research UK – Charity

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