Is Kidney Disease Follow-up Care Covered Under Insurance?

The primary reasons for kidney diseases include conditions like hypertension and diabetes, alongside other causes. Hence, managing these illnesses is imperative after treating the existing kidney disease. Usually, most insurance policies offer adequate coverage for the follow-up care of renal conditions.

Read on to understand the different follow-up care coverages available alongside other inclusions and the processes to raise a claim for the same.

What is Covered Under Kidney Disease Follow-Up Care Insurance?

Usually, coverages are available for follow-up care or post-hospitalisation services for up to 180 days from the date of discharge from the hospital. The expenses covered under a healthcare insurance policy are listed below:

Routine Follow-up Test Cost

Routine testing, such as urine tests, blood pressure monitoring, and other ultrasound examinations, is crucial as it helps in tracking kidney function. This way, patients can protect their kidneys from irreversible damage.

Doctor Consultations Charges

Consulting with the doctor helps patients understand the diet, fluid intake, and impacts of smoking and alcohol intake on disease progression. This improves the overall living conditions of the patient.

Hospital Revisits Expenses

In case there are secondary complications of kidney diseases, revisiting the hospital is mandatory for proper treatment. The cost of such procedures is also covered under healthcare insurance policies.

Medication Purchase Costs

Doctors often prescribe various post-surgery medicines that ensure faster recovery. However, the cost of these medicines can be substantial. Hence, most insurance policies offer coverage for the cost of medicines as well.

What are the Other Coverages Available Under Kidney Disease Insurance?

Aside from the post-hospitalisation costs, there are several other coverages available under an insurance policy for kidney disease. These include:

• Pre-hospitalisation expenses


• Inpatient hospitalisation cost


• Daycare procedure expenses


• Modern and AYUSH treatment cost


• Room rent, ambulance, and ICU expenses

What Are the Claim Processes of Kidney Infection Insurance Policy?

Most insurance companies offer two processes in which beneficiaries can raise a claim under their policies. These include:

Reimbursing the Bill Amounts

If a policyholder chooses to get their treatment done in a hospital that is not included in the network hospital list of their insurer, they will have to pay the bills out of pocket. However, once the bills are paid, they can raise a reimbursement claim with the insurer by submitting the necessary documents.

Opting for Cashless Claims

Upon getting the treatment done in one of the network hospitals of the insurer, policyholders do not have to settle the bills by paying out of their pockets. All they have to do is raise a cashless claim settlement request so that the insurer can directly transfer the bill amount to the hospital’s account.

Final Thoughts

Similar to pre-hospitalisation expenses and in-patient hospitalisation costs, follow-up care expenses can also be substantial. Hence, having an insurance covering for the same keeps the beneficiaries prepared for taking all the necessary steps to completely cure it as well as prevent their returns.