Renal Failure

Dialysis is the process of diffusing the blood across a semi-permeable membrane to remove toxic materials and maintain correct fluid, acid base and electrolyte balance. This occurs in the case of impaired kidney function or in the absence of the kidneys i.e. the artificial replacement of the kidneys where both kidneys have ceased to function. The process is generally continued for a number of hours, a number of times per week. It is used as a temporary solution until such time as a suitable kidney can be found for a transplant.

What information should my client provide? 

Your customer should complete the General medical disclosure fast-track questionnaire 

Likely acceptance terms

Life cover
If currently on dialysis, then postpone decision. If more than three to six months since dialysis finished, then refer to underwriting - terms may be available on select cases.

Specified illness cover, income protection
Cover will be declined.

Hospital cash cover, accident cover, contribution cover
Cover will be declined.

We recommend you contact the underwriting team to discuss indivuals with this medical history.