If you require kidney dialysis, it can become a costly process. Dialysis is not cheap and can cost thousands of dollars per session, with treatment lasting anywhere from three to five days each week.
Unless you have the financial resources to cover these expenses, getting the necessary dialysis treatments can significantly strain your finances.
Therefore, purchasing burial insurance with kidney dialysis as a rider is an excellent way to cover your final expenses in case you require this medical treatment.
This article will explain what kidney dialysis is and if it’s right for you, as well as cover some important considerations when choosing your policy and what to look out for when purchasing one.
What is Burial Insurance With kidney Dialysis?
Burial insurance with kidney dialysis is a policy that can help pay for the cost of a funeral or cremation after a loved one passes away. This type of insurance may be available through your employer or a third-party provider like an insurance company.
You may be eligible for this coverage if you have been diagnosed with chronic kidney disease (CKD). CKD is a condition that affects your kidneys and can lead to problems such as diabetes, hypertension, and protein in the urine. It also increases the risk of heart attacks and strokes.
The main benefit of burial insurance with CKD is that it provides financial security when you may be undergoing medical treatment. It can help ease some of your financial stress while recovering from surgery or treatment.
What are the symptoms of kidney Dialysis?
When a patient is having kidney dialysis, they may be experiencing symptoms that are different from those experienced by other patients. This can include:
Fatigue: Feeling very tired all the time, or more tired than usual.
Sleep problems: Difficulty falling asleep or staying asleep, or feeling very sleepy during the day.
Itching: Feeling an intense itch all over your body or in specific areas such as your hands, feet, back, or buttocks. The irritation may be so severe that it leads to skin breakdown and open sores.
Loss of appetite: Feeling less hungry than usual or not wanting to eat anything.
Nausea and vomiting: Feeling nauseated and throwing up (vomiting).
Swelling: Fluid retention causing swelling in your ankles, legs, tummy (abdomen), or face.
Shortness of breath: Trouble catching your breath or feeling short of breath when you lie down flat; also called “fluid around the lungs” or “congestion.”
Muscle cramps: Uncomfortable muscle contractions, usually in the legs (calf muscles).
Enlarged abdomen (tummy) or bloating: The enlarged abdomen may be caused by a buildup of fluid in the stomach or by constipation.
In addition, you would think that being on kidney dialysis would be for seniors over 70, but the average age of a consumer on dialysis is just 64.
Why do you need burial insurance With kidney Dialysis?
It would help if you had burial insurance With kidney dialysis because you want to be buried in a cemetery. It would help if you considered the following:
The cost of the funeral director is usually included in your funeral package. If not, ask about it before signing up for funeral services. It will help ensure you don’t waste money on a service you don’t need.
Burial insurance With kidney Dialysis is available at affordable prices and can help protect your loved ones from the financial burden of paying for a funeral.
If you are going through dialysis treatment, finding a family member or friend who can help you with tasks such as burial services, cremation, or visitation services may be challenging.
However, this shouldn’t stop you from getting these services covered by funeral insurance With kidney Dialysis so that your loved ones don’t have to worry about these issues while struggling with their health concerns.
What does Burial Insurance After Stent cover?
Burial insurance after stent covers the cost of funeral services, cremation, and burial or other disposition of your remains following a diagnosis of renal cell carcinoma (kidney cancer). It also covers the cost of ancillary services such as embalming, casketing, and memorialization.
You need to know that your home health coverage does not cover the costs associated with purchasing a burial plot or grave site. You may be able to get assistance from your healthcare provider or a funeral home, but Medicare benefits do not cover those services.
So even if you are diagnosed with these over age 85, we can help you.
Is a medical test necessary to qualify for Burial Insurance for kidney Dialysis?
No medical test is needed to qualify for burial insurance if you are receiving kidney dialysis.
The application for funeral insurance will only require you to answer a few basic questions about your health. No documents or samples of blood or urine will be required.
In most cases, you will receive official approval from the insurance provider within minutes.
Burial Insurance Underwriting With kidney Dialysis
Insurance companies typically request underwriting information.
- Usually, we ask about your general health and if you have any other illnesses.
- Your medication history is also taken into consideration.
The answers to these questions can tell you how likely you are to develop a disease, such as heart disease.
Most burial insurance companies will ask this question multiple ways. Typically be asked in many ways. The following are questions that you will see when applying for kidney Dialysis:
- Did you ever receive or have you been suggested dialysis?
- Have you ever had a problem with your kidneys?
- Have you ever been diagnosed with kidney failure?
- Are you currently receiving dialysis?
- If so, how often do you receive dialysis, and what treatment is it?
- Do you have a doctor who can give a blood test to confirm kidney function?
- How long have you been on dialysis?
- Are you on any medications for kidney disease?
- Have you ever been hospitalized for kidney issues? If so, for how long, and what were your symptoms?
- Have any of your family members died from kidney disease? If so, how old were they at the time of death, and what was their cause of death?
Responses to Your Application
Depending on how the insurance companies respond to these questions, they will take one of two steps. If accepted by a company, you will receive a plan with a high price tag and a waiting period.
This type of plan is called Graded or Modified policies. Most life insurance companies will deny coverage to people who answer “yes” to the dialysis question, regardless of how they ask.
You cannot get coverage without a waiting period if you receive dialysis treatment or have received it within the past 12 months.
There are, however, very affordable options with guaranteed issue plans that include a waiting period for seniors on dialysis.
What are the benefits of burial insurance With kidney Dialysis?
The cost of burial insurance can be as much as 50% less than that of a traditional burial. If you already have a plan for your loved one’s final resting place, you may need to buy only the necessary additional coverage for their final interment.
If you prefer cremation, consider adding a burial option that provides financial assistance for the final disposition of ashes or remains. It may be helpful if you or your loved one is not religious and does not want to be buried or have their ashes scattered at sea.
If a hospital needs to pay an emergency claim due to an illness or accident, it may have trouble paying it without adding additional funds from another source.
You can help them by purchasing burial insurance with an emergency provision that allows them to pay upfront if they need to cover unexpected expenses related to the death of their loved one. At the same time, they are still alive (such as medical bills).
Funeral costs can also be used as a way to receive a refund on life insurance premiums that were previously paid before your loved one passed away. They can be applied to funeral costs or debt repayment.
If you are diagnosed with a terminal illness and have a life expectancy of 12 months or less, you might want to think about a life insurance policy with an expedited benefit rider.
This can assist your loved one in getting access to money to cover final costs, as well as ease the financial stress on their family as a whole.
Best insurance policy options for kidney Dialysis
The best type of life insurance for people who need dialysis is a guaranteed issue policy for end-stage kidney disease. Numerous life insurance companies offer guaranteed issue plans for people with end-stage renal disease. There is a two-year waiting period for life insurance with assured issue.
If you are undergoing dialysis, it’s possible that life insurance won’t be able to provide you with immediate protection. The insurance plan won’t begin providing benefits after you begin dialysis for another two years.
It is the simplest and least intrusive way to apply for and obtain life insurance while receiving dialysis. This is aimed at people who need life insurance to cover funeral expenses.
How much does Burial Insurance With kidney Dialysis cost?
The cost of funeral insurance varies greatly based on your specific situation. If you have heart disease or any chronic condition, you should set aside more money each month than $300. Your rates will be higher if you already have a disease, like renal failure.
Medicare covers burial insurance for patients undergoing kidney dialysis, so continuous payments are not required. If you do need to get more coverage for your funeral expenses, we do offer you a number of options.
How To Find The Best Final Expense Insurance For kidney Dialysis Patients
What is acceptable is decided by each company. Some companies have rigid rules and won’t recruit someone if they’re not in good health. Other carriers are less rigid about immediately beginning coverage.
Whether you are on dialysis or have another medical condition, you will have a range of life insurance options. Dialysis patients will have different needs than people with other illnesses.
Renal illness almost typically comes before dialysis. It is essential to understand that the causes of needing renal dialysis are equally important to the diagnosis. If you take dialysis therapy while managing diabetes or diabetic nephropathy, acceptance may also be affected.
As a result, insurance companies charge different premiums for different levels of coverage. It takes comparing prices from several companies to find the best deal.
How to Get the Best Life Insurance with kidney Dialysis?
Since the best life insurance with renal dialysis will vary depending on your circumstances, there is no universally applicable solution to this topic. However, here are some pointers for finding the greatest life insurance while receiving renal dialysis:
- Work with an experienced life insurance agent who specializes in kidney disease.
- Shop around and compare quotes from multiple life insurance companies.
- Make sure you understand the policy’s terms and conditions before purchasing it.
- Choose a policy with a death benefit that is adequate for your needs.
Independent business InsuranceForBurial specialises solely in providing burial insurance. We collaborate with a wide range of life insurance companies that have different kidney dialysis underwriting standards. We would be happy to help you find the best life insurance policy to meet your unique needs.
Our advisors can identify which carrier is best for your specific situation by focusing entirely on this market. The best part is that our agents can find the best price for your specific set of circumstances because they are independent contractors.
If you’d like a free quote, call us at (855) 468-8900 or visit BestBurialPolicy.com
Anyone undergoing renal dialysis should give burial insurance considerable consideration. Knowing that most insurance have a two-year waiting period is crucial because it calls for advance preparation. It is crucial to read the tiny print since it is crucial to understand that some policies do not cover pre-existing conditions. Buying burial insurance is a great way to make future plans and give peace of mind to you and your loved ones.
As you get older, having burial insurance makes you feel better and ensures that your loved ones will be taken care of after your passing. You can acquire a precise quotation from us for burial insurance by contacting (855) 468-8900.