Why to choose The Thaiger?
The Thaiger offers critical illness insurance that covers you in the case of a major medical emergency. This guide will help you learn everything you need to know about kidney failure and how critical illness insurance with kidney failure cover will help you in times of need.
What is Kidney Failure?
When your kidneys become unable to filter waste products from your blood, kidney failure happens. Your kidneys can not work as well as they can if they are damaged. If the damage to your kidneys continues to get worse and your kidneys are less and less able to do their job, then you’ll have chronic liver disease. Kidney failure is the last stage of chronic kidney disease. If your kidneys are unable to function properly, your body gets overloaded with toxins. If left unchecked, this will lead to kidney failure, which can be serious and deadly.
Being diagnosed with kidney disease and kidney failure can be stressful as it can impact many aspects of your life. Critical illness insurance can help take some of the stress away by providing financial support. With critical illness insurance, you can focus on recovery instead of stressing about the financial consequences.
How Can Critical Illness Insurance Help You With Kidney Disease?
Critical illness insurance is a form of insurance that pays out if you’re diagnosed with a life-threatening or critical illness. Critical illness insurance can help with immediate and future expenses.
Medical Expenses
It helps with immediate medical expenses that may be incurred to cover the costs of a transplant.
Ongoing Expenses
Costs to cover ongoing living expenses, bills, taxes, consultations and rehabilitation with medical professionals.
Transportation Expenses
Cover costs such as getting to and from care centers and retrofitting vehicles to transport wheelchairs.
Pay Off Debt
Critical illness insurance can make sure you don’t end up buried in debt so that you can focus on getting better.
Home Modifications
Creating required home improvements, such as renovating a downstairs section if accessing the staircase becomes too difficult.
What Are the Types of Kidney Failure?
There are several types of kidney failure that you should be aware of. Various conditions can cause the kidneys to work less efficiently. This prevents waste from being removed, which can lead to kidney failure.
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Types of Critical Illness Insurance for Kidney Failure
The Thaiger offers two main types of criticall illness insurance. Make sure to choose the one that fits your unique requirements as each offers different benefits and premiums.
Individual critical illness insurance offers the most comprehensive coverage and provides more benefits than other critical illness insurance types. You can customise it to meet your particular needs and budget. It pays you a lump sum of money if you’re diagnosed with kidney failure. You can use the money for anything you need, such as to pay for your medical treatment, monthly bills, or childcare.
Key Points:
- Provide a lump sum benefit directly to you.
- The lump sum benefit can be used at your own discretion.
- Flexible and quick process.
If you are a business owner, buying group critical illness insurance is one of the best ways to protect your employees. It offers extra financial protection for your employees should they get diagnosed with kidney failure. With group critical illness insurance, your employees will be provided with a lump sum cash benefit that they can use at their own discretion.
It is more cost-effective for both the employer and the employees. The premium is usually paid by the employees through payroll deduction at more affordable rates than individual critical illness insurance. The employees can also choose the level of protection that’s right for them.
Key Points:
- Your employees can get a lump sum cash benefit to use any way they choose.
- The payment is usually made through payroll deduction.
- More affordable for both the employer and the employee.
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Get Critical Illness Insurance covering kidney failure before trouble starts.
Having kidney failure is not a death sentence. It may seem scary to think about, especially with the soaring high medical costs, but with critical illness insurance, you can manage and deal with it more easily!
Top tip: Protect your kidney by living a health lifestyle and protect your wallet by getting critical illness insurance.
The Five Stages of Kidney Disease
Stage 1 This stage is very mild. You may experience no symptoms and have no visible complications. Some damage is present.
Stage 2 Kidney disease is still considered a mild form, but detectable issues like protein in urine or physical damage to the kidneys may be more obvious.
Stage 3 At this stage kidney disease is considered moderate. Your kidneys aren’t working as well as they should.
Stage 4 Kidney disease is considered moderate to severe. The kidneys aren’t working well, but you’re not in complete kidney failure yet. Symptoms can include complications like anemia, high blood pressure, and bone disease.
Stage 5 kidneys are nearing or are in complete failure. Symptoms of the loss of kidney function will be evident include vomiting and nausea, trouble breathing, itchy skin, and more.
Join the many satisfied customers who’ve got their Critical Illness Insurance for Kidney Failure with the Thaiger
Other Related Products
There are also plenty of other serious health issues that critical illness insurance can cover you. Below are some of the most common ones.
Heart Attack
When the blood supply to the heart gets blocked, a heart attack happens, and spontaneous cardiac arrest happens when the heart malfunctions and stops beating unexpectedly.
Cancer
Cancer is the common term for a group of diseases. Any of the body’s cells begin to divide uncontrollably and expand into surrounding tissues in all cases of cancer.
Lung Disease
Lung disease is any problem in the lungs that prevents the lungs from working properly.
Stroke
A stroke occurs when the blood flow to a part of the brain suddenly changes, often resulting in the loss of the ability to control specific areas of the body.
How To Prevent Kidney Failure
The most important thing you can do to protect your kidneys is to take care of your body to reduce your risk of developing diseases that strain them.
Manage your blood sugar
Diabetic patients are most likely to have heart disease and kidney failure. That’s just one of the many reasons to keep your blood sugar under control.
Manage your blood pressure
High blood pressure can increase your risk for heart disease as well as kidney failure.
Maintain a healthy weight
Obesity increases the chances of developing kidney failure-related diseases like diabetes and high blood pressure.
Eat a healthy diet
Eat one low in sugar and cholesterol and high in fiber, whole grains, and fruits and vegetables diet.
Drink enough water
Dehydration decreases blood supply to the kidneys, potentially causing damage. Consult the doctor on how much water you can drink on a daily basis.
Limit alcohol
Limit your alcohol as increases your blood pressure. The extra calories in it can make you gain weight too.
Don’t smoke
The blood supply to your kidneys is reduced while you smoke. It negatively affects kidney function in all individuals who have and don’t have kidney disease.
Exercise regularly
Swimming, walking, and running are all good ways to relieve stress, treat diabetes and high blood pressure, and keep a healthy weight.
Lung Disease
Asthma, COPD, viruses like influenza, pneumonia, and tuberculosis, lung cancer, and a variety of other breathing problems are examples of lung disease.
Lung diseases may affect your airways, lung tissues, or circulation of blood in and out of your lungs. Lung cancer is a condition in which the cells in the lungs expand abnormally and form tumours over time. Tumours will find it more difficult for the lungs to do their job as they become larger and more numerous.
We understand how a lung disease condition will have a huge effect on you and your family. That’s why we’re here to help you choose the best critical illness insurance for lung disease.
Frequently Asked Questions About Kidney Failure
You may be eligible for Employment and Support Allowance if you don’t have a job and are unable to work due to your illness.
Acute kidney failure can be fatal and necessitates immediate medical attention. Acute kidney failure, on the other hand, can be reversible
Cauliflower, garlic, onions, apples, cranberries, blueberries, and a variety of other fruits and vegetables
When the kidneys fail, the accumulation and concentration of compounds in the urine increases, resulting in a darker color that may be brown, red, or purple
Your kidneys can’t get rid of excess water if you drink too much water. Your blood’s sodium level becomes diluted. Hyponatremia is the medical term for this condition
The annual cost of dialysis is about 400 000 baht
Critical illness insurance will help you get through a difficult situation without depleting your savings. If you’re diagnosed with a covered illness such as cancer, stroke, heart attack, kidney failure, or lung disease, the insurer will be able to pay you a lump-sum payment that you can use toward anything you want
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