Polycystic Kidney Disease Life Insurance
Have you been diagnosed with Polycystic Kidney Disease? Now looking to protect your family with affordable Polycystic Kidney Disease Life Insurance cover? At Life Insurance Cover we find the protection you are looking for. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.
More About PKD
Polycystic kidney disease (ADPKD) is an inherited condition. It causes small fluid-filled sacs called cysts to develop in the kidneys. Although children affected by ADPKD are born with the condition, it rarely causes any noticeable problems until the cysts grow large enough to affect the kidneys’ functions. In most cases, this does not occur until a person is between 30 and 60 years of age. Less commonly, children or older people may have noticeable symptoms as a result of ADPKD.
When ADPKD reaches this stage, it can cause a wide range of problems, including:
High blood pressure (hypertension)
Blood in the urine (haematuria), which may not always be noticeable to the naked eye
Potentially serious upper urinary tract infections (UTIs)
Kidney function will gradually deteriorate until kidney failure occurs.
What Causes Polycystic Kidney Disease
ADPKD is caused by a genetic fault that disrupts the normal development of some of the cells in the kidneys and causes cysts to grow. Faults in 1 of 2 different genes are known to cause ADPKD. The affected genes are:
PKD1, which accounts for 85% of cases
PKD2, which accounts for 15% of cases
Both types of ADPKD have the same symptoms, but they tend to be more severe in PKD1. A child has a 1 in 2 (50%) chance of developing ADPKD if one of their parents has the faulty PKD1 or PKD2 gene.
Autosomal recessive polycystic kidney disease (ARPKD) is a rarer type of kidney disease that can only be inherited if both parents carry the faulty gene. In this type problems usually start much earlier, during childhood.
In around 1 in 4 (25%) cases, a person develops ADPKD without having a known family history of the condition. This could be because the condition was never diagnosed in a relative, or a relative with the condition may have died before their symptoms were recognised. In around 1 in 10 cases of ADPKD, the mutation develops for the first time in the affected person. It’s not known what causes this to happen.
The affected person can pass the faulty gene on to their children in the same way as someone who’s inherited it from a parent.
Who Is Affected
ADPKD is the most common inherited condition to affect the kidneys, although it’s still relatively uncommon. Only around 1 or 2 in every 1,000 people are born with ADPKD, which means there are currently around 60,000 people in the UK with the condition.
Treating Polycystic Kidney Disease
There’s currently no cure for ADPKD, but various treatments are available. Most problems, such as high blood pressure, pain and UTIs, can be treated with medication. Although you may need to have an operation to remove any large kidney stones that develop. If the condition reaches a point where the kidneys are not able to function properly, there are 2 main treatment options:
Dialysis, a machine used to replicate kidney functions
In some cases of ADPKD in adults, where chronic kidney disease is advanced and progressing rapidly. A medication called tolvaptan can help to slow down the formation of cysts and protect kidney function.
The Future With Polycystic Kidney Disease
The outlook for ADPKD is highly variable. Some people experience kidney failure soon after the condition is diagnosed. Others may live the rest of their life with their kidneys working relatively well. On average, around half of people with ADPKD require treatment for kidney failure by the time they’re 60.
As well as kidney failure, ADPKD can also cause a number of other potentially serious problems, such as heart attacks and strokes caused by high blood pressure, or bleeding on the brain (subarachnoid haemorrhage) caused by a bulge in the wall of a blood vessel in the brain (brain aneurysm).
Many people who suffer with Polycystic Kidney Disease have been accepted for life insurance. Insurers will however accept applications based on how severe the condition is. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.
Finding Polycystic Kidney Disease Life Insurance
At Life Insurance Cover we search for the right policy types and protection for you. It can be difficult to find the right Polycystic Kidney Disease life insurance cover for your needs, but we can help you.
As Polycystic Kidney Disease is a severe and long-term condition that links to other serious health conditions. Some insurers may be wary about accepting applications. All insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Polycystic Kidney Disease life insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an insurer that can meet your needs.
Costs For Insurance Premiums
Polycystic Kidney Disease is a severe and complicated long-term health condition. Some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition. If you have had hospital admissions as a result of Polycystic Kidney Disease, your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.
Prices from insurers will vary depending on who you speak to, which is why Life Insurance Cover will help you find the best Polycystic Kidney Disease life insurance.
At Life Insurance Cover our specialist team of advisors and comparison service can help you find the best FCA-regulated life insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.
Who Offers Polycystic Kidney Disease Life Insurance?
Life Insurance Cover works with all of the UK’s leading insurers for Polycystic Kidney Disease life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:
– The best cover for Polycystic Kidney Disease life insurance
– Protection for complete peace of mind
– A specialist insurer that understands Polycystic Kidney Disease and your symptoms
Different Protection For Polycystic Kidney Disease
Critical illness cover
Critical illness insurance offers protection for many conditions including cancer. If you have received a diagnosis for Polycystic Kidney Disease. Acceptance of your application will depend on various factors. This will include your overall health. How your condition has affected you and whether your symptoms are under control. An insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.
Life Insurance Cover offers policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
For more information on Polycystic Kidney Disease:
Do you have a medical condition and require life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.