Can I get income protection with Kidney Disease?
Income protection with kidney disease depends on the stage and type of kidney condition. Mild chronic kidney disease (CKD Stage 1–2) with no associated complications may be covered with a renal exclusion at standard or near-standard rates. More advanced CKD (Stage 3–5) or kidney disease requiring dialysis typically results in a more significant loading or postponement. The remaining IP cover for all other causes of inability to work remains valuable regardless of the terms applied to the kidney condition.
How do insurers assess Kidney Disease for income protection?
Insurers review your full medical history — diagnosis date, current treatment, stability of the condition, and any time off work it has caused. The more stable your condition, the better the terms available.
What terms might be offered?
- Standard terms — if the condition is well-controlled with no recent work absences
- Exclusion — the condition excluded, all other causes of inability to work still covered
- Rated premium — higher premium reflecting additional risk
Is IP still worth it with an exclusion?
Usually yes — an exclusion only applies to the excluded condition. You're still fully protected against accidents, cancer, heart attack, and hundreds of other causes of inability to work.
Frequently Asked Questions
It depends on the insurer and severity. Some exclude kidney disease-related claims; others offer standard terms if it's well-controlled. Always compare multiple insurers.
Yes — an exclusion only applies to the excluded condition. All other causes of inability to work remain fully covered.