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Life Insurance with Kidney Disease Get Your Free Quote

Life Insurance with Kidney Disease CKD, dialysis, and transplant patients covered

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Kidney Disease and Life Insurance

Cover options depend on your specific kidney condition.

CKD Stages 1-3

Earlier stages of chronic kidney disease are viewed more favourably by insurers. Standard life insurance may be available with a premium loading.

Dialysis Patients

Life insurance for dialysis patients is more difficult but not impossible. Specialist brokers can access insurers who consider dialysis applicants.

After Transplant

Life insurance after a kidney transplant depends on recovery time and ongoing health. Some insurers will offer cover after a stable period. A broker will call to check.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

1

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

2

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

3

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

It depends on the stage and severity. Early-stage CKD may be covered with a premium loading. More advanced kidney disease or dialysis is more difficult but specialist brokers can find options.
Standard life insurance on dialysis is challenging. Specialist insurers and brokers can explore options including guaranteed acceptance cover for ages 50-85. A broker will call to discuss.
Some insurers will consider applications after a successful transplant, typically after a recovery period. The longer since transplant with stable health, the better the options.
Polycystic Kidney Disease (PKD) is a genetic condition. It can affect life insurance premiums depending on severity and kidney function levels. A broker will call to compare options.
Different insurers have different criteria. Being declined by one does not mean all will decline. For those aged 50-85, guaranteed acceptance cover is available with no medical questions.

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