Blog entry by Meguid El Nahas
Experiences Obtaining Insurance After Live Kidney Donation
The impact of kidney donation on the ability to change or initiate health or life insurance following donation is unknown. To quantify this risk, we surveyed 1046 individuals who donated a kidney at our center between 1970 and 2011. Participants were asked whether they changed or initiated health or life insurance after donation, and if they had any difficulty doing so. Among 395 donors who changed or initiated health insurance after donation, 27 (7%) reported difficulty; among those who reported difficulty, 15 were denied altogether, 12 were charged a higher premium and 8 were told they had a preexisting condition because they were kidney donors. Among 186 donors who changed or initiated life insurance after donation, 46 (25%) reported difficulty; among those who reported difficulty, 23 were denied altogether, 27 were charged a higher premium and 17 were told they had a preexisting condition because they were kidney donors. In this single-center study, a high proportion of kidney donors reported difficulty changing or initiating insurance, particularly life insurance. These practices by insurers create unnecessary burden and stress for those choosing to donate and could negatively impact the likelihood of live kidney donation among those considering donation.
See Original Source http://goo.gl/2k87QW
Sadly this is most likely the consequence of the eGFR-CKD hysteria...those who donate and end up with an eGFR<60 are automatically labelled as suffering from CKD and consequently have difficulties getting life insurances.
It is high time that this eGFR-CKD mislabelling of these otherwise healthy individuals is addressed.
It is high time it is recognised that their life expectancy is in some instances higher than the general population, due to better health and better follow-ups.
It is also high time that mislabelling, otherwise healthy individuals, as suffering from CKD based on an eGFR calculation is stopped if we dont want to put people off kidney donation.
The eGFR based CKD classification of otherwise normal older people and kidney donors with eGFR<60 as suffering from a disease (CKD3) is one of the sad consequences of the eGFR-CKD hysteria and bandwagon that need to be stopped at once.