End stage renal failure incidence is increasing steadily in all European countries and, notwithstanding the fact that efforts should primarily be put on prevention, transplantation activity also needs be promoted, as demand clearly exceeds supply.
Bear in mind there is no real reason to avoid exceeding this (patients with
end stage renal failure notwithstanding), and certainly a triathlete taking in 5000 calories a day is likely to exceed this even when eating balanced meals.
Diagnosis of
end stage renal failure: End stage renal failure means an irreversible and total failure of both kidneys which requires the undergoing of renal transplantation or regular renal dialysis.
With Critical Illness insurance, this extends to
end stage renal failure, major organ failure, heart attacks, stroke, and coronary artery bypass graft surgery.
If you have
end stage renal failure, go with Gerber Life or Mutual of Omaha.
Chronic Illness Insurance plans pay out a lump sum amount if the insured gets diagnosed with certain specific diseases such as heart attack, cancer, stroke, major organ transplant and
end stage renal failure.
Critical illness (ANICO has one of the most generous lists): heart attack, stroke, invasive cancer,
end stage renal failure, major organ transplant, ALS, blindness, paralysis, arterial aneurysms, central nervous system tumors, major multi-system trauma, AIDS, severe disease of major organ, severe central nervous system disease, major burns, loss of limbs
Claim for Illnesses like Cataract, Hypertrophy, Benign Prostatic, Chronic Renal Failure /
End Stage Renal Failure, Knee / Hip Replacement, etc., can't be claimed during the first 2 years.