Renal disease

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With so many potential causes and a high probability of the loss of sufferers' livelihood, renal disease is one condition insurers are seemingly not keen on covering, as Wendy Hickman writes.

Most people are born with two bean-shaped kidneys, each consisting of roughly a million tiny structures called nephrons that filter the blood by removing water products and excess water, which is then excreted from the body through urine. Renal disease, where the body is unable to remove waste products, occurs if the nephrons are damaged, leading to 60% of renal function being lost. The disease usually occurs slowly, developing over a period of years. Damage to the kidneys can be classified either as acute, chronic or end-stage disease. Acute renal disease, also known as acute kidney ...

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