End-Stage Renal Failure Insurance - Features and Benefits

End-stage renal failure, also known as chronic kidney disease, occurs when the kidneys are no longer capable of functioning on their own, and hence require long-term dialysis or kidney transplant. These treatments can be very expensive and can burn a hole in your savings. In order to stay financially protected during such situations, you must consider availing the Group Care 360 - End-Stage Renal Failure Cover provided by Care Health Insurance Co. Ltd. With this health insurance for kidney patients, you are entitled to get coverage amounting to up to ₹3 Lakh for the in-patient treatments, pre and post hospitalisation expenses that arise due to the treatment of the end-stage renal failure.

• Covers Treatment Charges

  The insurance policy provides coverage for the treatment of end-stage renal failure. This includes the cost of medicines, hospital room rent, diagnostic tests, ICU charges, doctors’ fees, etc.

• Hospitalisation Cover

  In-patient hospitalisation costs along with those arising prior to and post-hospitalisation pertaining to end-stage renal failure are provided with coverage.

By availing the End-Stage Renal Failure policy, you are provided with coverage for the following:

• Cover for Doctor’s Fees

  In the event that you (the insured individual) need to visit a doctor, coverage is provided for the same prior to, during, and after hospitalisation.

• Ambulance Charges

  In the event that you need to be rushed to a hospital in an ambulance, expenses arising from the same are provided with coverage amounting to up to ₹2,000.

• Extensive Hospitalisation Cover

  This plan covers in-patient hospitalisation costs along with pre-hospitalisation expenses incurred 30 days prior to the date of hospitalisation and post-hospitalisation expenses (up to 60 days) pertaining to end-stage renal failure.

• Diagnostic Tests

  Tests conducted during the pre-outlined pre-hospitalisation period or during the hospitalisation period are covered in this policy.

• Medication Cost

  Expenses incurred for purchasing medicines required as a result of hospitalisation are covered under this renal insurance plan.

The End-Stage Renal Failure Cover does not provide coverage for the following:

• Pre-Existing Illnesses

  Pre-existing diseases are not covered by this plan and therefore cannot be used when applying for a claim.

• Hospitalisation for Other Ailments

  This plan does not cover hospitalisation pertaining to reasons other than end-stage renal failure.

• Illness/Injury during Waiting Period

  Any injury or illness that is diagnosed during the initial 90-day waiting period is not covered under this plan.

In order to have an understanding of all exclusions, please peruse the policy wordings.  

In order to file a claim, policyholders are requested to provide the following details such that it can be processed with ease and efficiency.

• Duly completed and signed Claim form, in original

• Identity proof with photo, proof of age, and address

• Medical Practitioner’s referral letter advising Hospitalization

• Medical Practitioner’s prescription advising drugs / diagnostic tests / consultation

• Original bills, receipts, and discharge card from the Hospital / Medical Practitioner

• Original bills from pharmacy/chemists

• Original pathological/diagnostic test reports and payment receipts

• Indoor case papers (if applicable)

• Accident proof - First Information Report/ final police report, if applicable

• Disability Certificate from Government Medical Board, Fitness Certificate, Medical Prescription

• Postmortem report, if conducted

• Any other information /document as required by the Company or Assistance Service Provider to assess the Claim, in case fraud is suspected

Here is all you need to do to apply for this health insurance for kidney patients online:

• Click on Buy Now

  Visit the End-Stage Renal Failure Cover product page on the Bajaj Markets website and click on the ‘Buy Now’ button.

• Provide Your Details

  Enter all the necessary details in the online application form.

• Pay the Premium

  You can pay the premium for this kidney failure insurance using any preferred online mode of payment.

That’s it! Your End-Stage Renal Failure Insurance policy document will be sent to your registered email ID.

You can contact the insurer’s customer service team to file a claim under your End-Stage Renal Failure Cover. They can be contacted via the following methods.

• Email – claims@careinsurance.com

• Insurer’s Toll-free - 1800-102-4488.

To connect with Bajaj Markets for any queries related to this insurance for kidney patients, you can send an e-mail to insuranceconnect@bajajfinservmarkets.in.