Often yes, if it is not advanced. People at stage 3 or lower should be able to get coverage. People on dialysis usually cannot get regular coverage but can get guaranteed issue.
The CDC says about 14% of US adults may have chronic kidney disease. Many do not know it. The most common causes are diabetes and high blood pressure.
The stage matters most. At stage 3 or lower you should be able to get coverage. Stage 4, stage 5 or kidney failure may rule out regular coverage. People on dialysis usually cannot get regular coverage.
After a transplant, Policygenius says to wait at least one year before applying. Insurers check where the kidney came from and your current lab results. Polycystic kidney disease can be insured, but at higher rates.
What insurers look at
- The stage of your kidney disease
- Whether you are on dialysis
- A kidney transplant, when it happened, and the donor source
- The cause, like diabetes or high blood pressure
- Your lab results, like protein levels
- Whether you follow your treatment and take your medicines
Coverage that may fit
Possible at stage 3 or lower, per Policygenius. Stage 1 with steady health may get better than average rates.
No exam, but you answer health questions. Coverage often reaches about $50,000, and you can still be turned down for serious conditions. May work for early stage disease.
For people who cannot pass health questions. There is no exam and no health questions, coverage tops out around $25,000, and the price is high. Mutual of Omaha sells it to people 45 and older, per Policygenius. Most have a waiting period, often 2 years, before the full amount pays for a natural death (Policygenius, graded death benefit). This is the main option for people on dialysis or with advanced disease. Mutual of Omaha offers it to ages 45 to 85.
Common questions
Can I get life insurance on dialysis?
Usually not regular coverage. Guaranteed issue is an option, capped near $25,000.
How long after a transplant should I apply?
At least one year.
Does my stage matter?
Yes. Stage 3 or lower should be able to get coverage.
Sources
General information, not medical advice. Insurer rules change. An agent can tell you which companies treat your condition best.
