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What is End-Stage Renal Failure Cover?

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.

Policy Plan and Details

Let’s take a look at the details of this health insurance for kidney patients:

Coverage

Premium (including GST)

 

Plan Validity

Up to ₹1 Lakh

₹271

1 Year

Up to ₹2 Lakh

₹531

Up to ₹3 Lakh

₹684

Key Features and Benefits of End-Stage Renal Failure Cover

  • 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.

What is Covered

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.

What is Not Covered

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.  

Documents Required for a Claim 

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

How to Apply for End-Stage Renal Failure Cover

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.

How to File a Claim 

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.

Customer Care Details 

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

End-Stage Renal Failure Cover FAQs

  • ✔️Does this plan cover expenses pertaining to medication?

    Yes, this plan provides insured individuals with coverage for medications linked to hospitalisation for end-stage renal failure.

  • ✔️Are diagnostic tests covered under the End-Stage Renal Failure insurance plan?

    Yes, diagnostic tests conducted prior to or during the period of being hospitalised are covered under this plan. This is conditional on the fact that the same be conducted within the specified pre-hospitalisation time frame.

     

  • ✔️How long is this policy valid for?


    The End-Stage Renal Failure insurance policy is valid for a single year.

     

  • ✔️Is there a waiting period in place that I should choose to avail this plan?


    Yes, there is a 90-day initial waiting period in place under this plan.

     

  • ✔️Are expenses pertaining to doctors’ fees covered?

    Yes, this plan provides insured individuals with coverage for doctors’ fees.