How is Dialysis Covered by Health Insurance in India?

• Written by Mudit Handa

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Your kidneys are excretory organs that do an exceptional job in your body. People who are diagnosed with kidney failure are recommended to undergo Dialysis. 

Dialysis is a process that mechanically expels waste material from your body with a filtration device. This keeps your fluid and electrolyte levels balanced. However, most people are unaware of how much dialysis costs per session. 

Let us help you!

In this article, you’ll learn about the types of dialysis, its costs, and how health insurance comes to one's rescue by covering those costs. 

How much does Dialysis Cost per Session?

Broadly, patients with renal failure are recommended two types of dialysis: 

• Hemodialysis, which is done thrice a week, and 
• Peritoneal dialysis which is done three times a day.

Accordingly, the average cost of dialysis is explained below:

• The dialysis cost per day for a Hemodialysis (HD) session in India may vary from Rs 150 in government hospitals to Rs 2000 in some corporate hospitals.*
• A Peritoneal dialysis session in India may cost around 12,000 to Rs. 15,000 monthly.

*Source: National Institutes of Health (NIH)

Exorbitant medical expenses can easily drain anyone’s hard-earned savings. Hence, suitable health insurance is necessary for kidney patients with dialysis coverage. Now the question arises is does your medical insurance cover dialysis? 

If yes, what are the key factors to consider when buying the appropriate kidney insurance coverage? Kindly proceed to the next heading. 

Key Factors Regarding Dialysis Coverage 

Before buying health coverage with dialysis insurance coverage, you must consider several factors. Here are the key factors you need to look into if you want to opt for critical illness insurance for dialysis patients:

Types of Dialysis

Before you make your choice, understand the different types of Dialysis, the number of sessions, medicines, diet, etc. As discussed above, there are two types of dialysis: hemodialysis (HD) and Peritoneal Dialysis (PD). Peritoneal Dialysis is more expensive because of the cost of the dialysate bags. Doctors usually suggest hemodialysis depending on the degree of renal failure.

Most health insurance plans cover end-stage renal failure, and kidney policies cover End-Stage Renal Failure and Kidney transplants. Accordingly, you must choose health insurance that provides coverage for hemodialysis and all related expenses. 

>>Read More About What is Chronic Kidney Disease?

Miscellaneous Expenses Involved in Dialysis

The cost structure of dialysis treatment also plays a vital role in deciding your health policy. Apart from the costs involved in every dialysis session, the treatment includes the cost of erythropoietin, medicines, monthly laboratory tests, and hospitalisation costs. Other petty expenses, such as consumables (syringes, needles, and other tools), are also involved in the treatment. Hence, you must ensure your critical illness insurance plan covers miscellaneous expenses.

Accessibility of Network Hospitals

The next important thing you should know is the accessibility of network hospitals. The greater the number, the better it is. As you can avail yourself of a cashless claim facility only in-network hospitals, always look for the complete list of hospitals in your vicinity. You must look for other options if you reside in a Tier-II city with fewer basic health facilities. 

Did you know? 

Care Health Insurance has 24800+  cashless healthcare providers in need at your service.

Additional Benefits 

Look for health insurance for kidney patients that offers additional benefits such as coverage for organ donors, ambulance cover, alternative treatments, a second opinion, and an annual health check-up. These benefits help reduce the cost of your entire treatment plan.

Family Coverage

You should explore whether health insurance for dialysis patients offers family coverage. Ideally, critical illness plans cover a family, including dependent parents, spouses, and children. So, opt for the one that also gives you the freedom to protect your family. 

Stay Covered with Care Health Insurance!

Dialysis is not just a one-session treatment. It takes months to complete the prescribed cycles. If you are concerned about managing your dialysis costs, you can consider Critical Illness Mediclaim offered by Care Health Insurance. The policy is tailor-made  for kidney patients looking for dialysis insurance coverage, which is based on the indemnity clause and  available for both individual and family. It covers hemodialysis, daycare treatments, organ donors, and in-patient care. So, choose it now and afford your dialysis sessions worry-free. 

>> Also Read How to Keep Your Kidneys Healthy

Disclaimer: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.