Are Chronic Kidney Diseases Covered Under Insurance?

Chronic kidney disease has become a major concern in India. Older adults and people with conditions like diabetes and hypertension are at a greater risk of kidney-related complications. Most health insurance plans will cover chronic kidney disease and help you pay for treatment.

By choosing a suitable mediclaim policy, you can stay financially prepared for future medical expenses related to kidney care.

Treatment Options Available for Chronic Kidney Diseases Under Health Insurance

The treatment approach for chronic kidney disease (CKD) depends on the patient’s condition and the stage of the illness. Health insurance plans typically cover the following medically necessary treatment options:

1. Dialysis

Doctors recommend dialysis in advanced or end-stage kidney disease when the kidneys can no longer function properly. Without timely intervention, this condition may lead to complete kidney failure. Dialysis helps remove waste and excess fluids from the body and is available in two forms:

• Haemodialysis - It uses a machine


• Peritoneal dialysis - It uses the lining of the abdomen

2. Kidney Transplant

In severe cases, doctors may advise a kidney transplant. This procedure involves replacing a damaged kidney with a healthy one from a donor, who may be a relative, a friend, or a registered volunteer. One functioning kidney is normally sufficient to help a donor live a normal life.

3. Medications

Doctors prescribe medicines to manage related conditions and slow disease progression. Since high blood pressure can both cause and worsen kidney disease, treatments often include ACE inhibitors or ARBs to control blood pressure and reduce protein loss in urine.

What Diagnostic Tests for Chronic Kidney Disease are Covered Under Health Insurance?

Doctors assess kidney disease through a combination of tests to understand its severity and underlying cause. Most health insurance plans cover these diagnostic tests when they are medically necessary:

1. Blood Tests

Blood tests are used to assess waste substances like creatinine and urea, which a doctor evaluates to determine how well a kidney functions.

2. Urine Tests

A urine sample can reveal early signs of chronic kidney disease. The presence of protein (albumin) or blood in the urine may indicate kidney damage and also provide clues about the cause.

3. Imaging Tests

An ultrasound is commonly prescribed by healthcare professionals to detect the size and structure of the kidneys. In certain cases, they may use additional imaging techniques for a more detailed assessment.

4. Kidney Biopsy

In some situations, doctors perform a biopsy by removing a small piece of kidney tissue using a fine needle under local anaesthesia. The sample is then analysed in a laboratory by specialists in order to determine the exact cause of the condition.