Since treatment of chronic kidney disease is a costly one, a timely critical illness policy and other health policies may be combined together for cashless facilities or reduced expenses for on going treatment.
Critical illness policy is a benefit-plan unlike the conventional indemnity health insurance plans. A lump sum amount (Sum Insured) is paid just upon diagnosis of any of the listed Critical Illness covered in the Policy. Treating a critical illness may drain away your savings, restrict you from working and earning and affect your routine lifestyle, hence a lump sum benefit in one single transaction up to your opted cover is best for during tough times. Your existing health cover or employee health insurance may cover your medical expenses up to a certain extent, however critical illness cover will offer you a lump sum benefit in one single transaction on first diagnosis or advice issued by a medical practitioner.
Try to get insured for hospital as well as OPD (out patient department) as there will be may visits to doctors. Combine more than one health insurance policies, if required.