Miss Li was diagnosed with end stage chronic renal failure. After consulting her doctor, she decided to go for a kidney transplant and enrolled on the waiting list. She noticed that the waiting list was long and that she might need to wait several years for a suitable kidney.

While Miss Li was waiting for the kidney transplant, she had to undergo interim treatment such as regular renal dialysis. As the cost of renal dialysis is very high and treatment is long term, Miss Li started to worry about medical treatment costs becoming a financial burden.

Miss Li has a Critical Illness Insurance policy and believes that she can only claim for the cover after she has undergone the kidney transplant. After realising that she might have to wait for a significant amount of time for a suitable kidney, Miss Li now wonders whether she will be compensated under her policy for renal failure.

The fact is that some insurance companies will pay for end-stage renal failure even if a kidney transplant is not yet performed.

Take MSIG’s Critical Care 1.0 as an example. The policy covers end stage renal failure requiring regular renal dialysis or renal transplant. This means that as long as the insured’s condition is certified by a doctor as requiring transplant surgery for renal failure, the insured is covered even if he/she has not undergone the transplant surgery.

In Miss Li’s case, if she had taken out MSIG’s Critical Care 1.0, she would be entitled to coverage by the policy to subsidise the cost of renal dialysis treatment.

Learn more about our insurance plans:
CriticalCare 1.0
MediSure Plus
HospitalCare