The kidneys, two bean-shaped organs located on either side of the spine, play a vital role in maintaining overall health. They filter waste products and excess fluids from the blood, regulate electrolyte balance, and produce hormones essential for blood pressure control, red blood cell production, and bone health. Despite their critical functions, kidney health often goes unnoticed until significant problems arise.
Kidney Function and Health
Each day, the kidneys filter approximately 150 liters of blood, removing toxins and waste products through urine. They also balance the body's fluids and electrolytes, such as sodium, potassium, and phosphate, ensuring proper cellular function. Additionally, kidneys release hormones like erythropoietin, which stimulates red blood cell production, and renin, which helps regulate blood pressure. Some common kidney illnesses and conditions that can impair kidney function:
Chronic Kidney Disease (CKD)
A gradual loss of kidney function over time, often due to diabetes or hypertension. CKD can progress to end-stage renal disease (ESRD) if not managed effectively.
Acute Kidney Injury (AKI)
A sudden decline in kidney function, typically resulting from severe dehydration, infection, or exposure to nephrotoxic substances. AKI can be reversible with prompt treatment.
Kidney Stones
Hard deposits of minerals and salts that form inside the kidneys, causing severe pain and potential complications if not passed naturally or removed.
Glomerulonephritis
Inflammation of the kidney's filtering units (glomeruli), which can impair the organ's ability to filter waste effectively.
Implications of Kidney Disease
The financial implications of kidney disease are substantial. At the National Kidney Foundation (NKF) Malaysia, each dialysis treatment costs approximately RM170. Self-paying patients are charged RM90 per session, while those subsidised by the Ministry of Health (MOH) receive treatment at no cost, with the remaining RM80 subsidised by NKF through fundraising efforts. (nkf.org.my)
Additionally, the average cost for kidney dialysis is about RM250 per session, with government subsidies available for eligible patients. (my.mykidneyjourney.com)
The Need for Early Medical Insurance
With the rising prevalence of kidney diseases in Malaysia, securing medical insurance early is more important than ever. Kidney treatments, including dialysis and transplants, can be financially overwhelming, with costs running into thousands of ringgit annually. Many insurance policies may exclude pre-existing conditions, making it crucial to obtain coverage before any kidney-related issues arise. Early medical insurance ensures access to quality healthcare, reduces the financial burden on individuals and families, and provides peace of mind in case of unforeseen medical emergencies. Prioritising insurance early can make a significant difference in managing healthcare costs and securing timely treatments.
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