Coverage for Acute Renal Failure

Insurance for Acute Kidney Failure: Coverage, Costs & Benefits

Acute renal failure is a condition in which both your kidneys stop working because of several factors. About 13.4% of individuals in India suffer from acute renal failure, with men having a higher chance than women. Therefore, comprehensive health insurance coverage, which includes acute renal failure, can help you avoid sudden medical expenses during an emergency.

Reasons for Acute Renal Failure

The reasons for acute renal failure are given below:

• Diabetes: With a high blood sugar level, you become more susceptible to acute kidney failure. If you have very high diabetes, there will be hardly any symptoms of kidney failure initially.
• High Blood Sugar: High blood sugar narrows the blood vessels in your kidney, making you prone to this disease.
• Nephrotic Syndrome: This symptom indicates that your kidneys are not functioning properly, and you have too much protein in your urine. Also, having too much cholesterol or fat in your blood can lead to acute renal failure.
• Genetic Diseases: Certain hereditary diseases passed on from parents or close relatives can cause acute renal failure.
• Autoimmune Diseases: Diseases like IgA nephropathy and lupus can lead to severe kidney failure.
   

Treatment of Acute Renal Failure

There is no direct cure for acute kidney failure. However, physicians can follow treatment methods like kidney transplantation or dialysis to manage end-stage renal disease (ESRD).

• Kidney Transplantation: A surgeon transplants a healthy kidney from a donor into the recipient's body. This method requires matching the vitals of the donor and done. Otherwise, this procedure will not be successful. It also requires implementing lifestyle changes such as medication management, stress reduction, following a balanced diet, and regular physical activity.
• Dialysis: Conducting this filtration process involves removing excess fluid and waste from the blood when your kidneys can no longer do it. The procedure acts as an artificial kidney to purify your blood and manage acute renal failure. Moreover, this treatment sometimes increases life expectancy by 5 to 10 years or even up to 20 to 30 years.
   

Cost of Acute Renal Diseases

Treatment procedures for severe kidney failure can involve huge funding requirements and proper financial management. Therefore, having comprehensive health insurance coverage will help you manage your finances during such medical emergencies.

In India, kidney transplantation costs are high, ranging between Rs. 440,000 and Rs. 550,000. The price might differ in different states or hospitals. Apart from this, dialysis costs vary from around Rs. 4,000 to Rs. 15,000 per month, depending on the cities and hospitals. Having health insurance to cover these costs will give you peace of mind.

Why Choose Star Health?

As a health insurance specialist, Star Health provides comprehensive coverage for acute renal diseases. Here are the reasons why you should select Star Health for medical insurance:

• Diagnostic Centres: You can access about 1,635 diagnostic centres across India, allowing you to have your samples collected conveniently from your doorstep.
• Wellness Program: Participating in our wellness program will help you earn reward points to stay healthy. You can redeem these points for attractive discounts.
• E-Pharmacy: Our e-pharmacy makes ordering medicines easier. We offer discounted prices, store pick-ups, and home delivery options across 2,870 cities in India.
• Claim Settlement: We have a high claim settlement ratio, with over 90% of claims being approved within 2 hours of application. Reimbursement claims are generally settled within 7 days of applying.
• Customer Service: Our teleservices are available 24x7 to clear all your doubts and queries about our policies, application methods, and ongoing claims.
• In-House Claim Settlement: We have a qualified in-house team that handles the claim settlement procedure, and a TPA is not involved to speed up the process.
   

Comprehensive health insurance coverage for you and your family is a viable option. This way, you do not have to worry about fund management while treating acute renal failure and leading a productive and healthy life.