Intensive, Regular Treatment
Chronic kidney disease that reaches dialysis means regular sessions, often several times a week, plus specialist care and medication. A comprehensive PKV tariff covers dialysis as medically necessary treatment, along with the nephrology consultations and prescriptions that go with it.
The Parts to Check
- Dialysis sessions: covered as necessary treatment in comprehensive tariffs, inpatient or outpatient as prescribed.
- Transport: regular travel to a dialysis centre can be covered as medical transport, subject to your tariff’s rules and approval.
- Medication: reimbursed under prescription-drug cover.
- Transplant pathway: assessment, surgery and follow-up are covered where medically necessary, usually with prior approval.
Transport is easy to overlook: frequent journeys to a dialysis centre add up. Check how your tariff handles medically necessary transport and whether it needs approval, so the travel is covered rather than a running cost.
If the Condition Predates Your Cover
Kidney disease diagnosed before you apply must be declared. Depending on severity the insurer may apply a surcharge, specific terms, or decline the risk, and a broker can advise where your application is most likely to be accepted. If you are already privately insured when kidney disease develops, your existing tariff covers the treatment on its normal terms, which is one reason comprehensive cover with strong benefit limits matters before any diagnosis.
Frequently Asked Questions
Compare PKV Tariffs for Your Situation
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