Does Health Insurance Cover Kidney Stones In India?

Kidney stones are very common, especially in men. It is formed by the hard deposits of minerals that can cause blood in urine and it is very painful when the stone passes through the urethra. Kidney stones are painful but they are not dangerous. Sometimes when you cannot bear the pain caused by a kidney stone, you have to consult with a doctor and utilize your critical illness insurance policy to cover the expenses.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      So, how can you understand that you have a kidney stone? Let us tell you how?

      Kidney Stones Symptoms

      Some of the kidney stones pass out of the body on their own but if the size of the stone increases and it becomes painful, the person has to consult with a doctor. Since medical expenses can put a hole in your pocket, there are health insurance plans that you can purchase to get financial aid.

      However, a stone might not show any symptoms but when it starts flowing around in the affected area of the kidney. When the stone moves into the urethra that is a tube that connects the Kidney and bladder, you get to feel pain in several areas that you can consider as symptoms and they are as follows:

      • Pain in the side or back
      • Pain below the ribs
      • Pain in the lower abdomen and groin.
      • Irregular pain in the stomach
      • While urinating
      • When the colour of urine changes to red, pink or brown
      • Feel like vomiting and nausea
      • In case of infection, you’ll get a fever
      • Urge to urinate
      • Urinating more often

      In case you feel any of the above symptoms then you are recommended to visit a doctor. Then the doctor will recommend some tests for diagnosis.

      Diagnosis Of Kidney Stones

      When you will suffer from any of the above-mentioned painful scenarios and visit the doctor, he will ask you to get your urine test done. Once the reports are out, it can reveal if the kidney consists of the mineral that can form a stone.

      If you have a critical illness insurance policy then you can utilize it You can get a comprehensive blood test and a urine test is done that can helps the doctor to determine the kind of kidney stone you might have. The blood test is done to ascertain if you have a high level of minerals in blood that can form a stone.

      You can get an imaging test done to locate the stone in your kidney. The tests can also show the reason behind forming of kidney stones that can be a blockage in the urinary tract etc. After the tests are done the doctor will begin the treatment.

      Treatment of Kidney Stones in India

      The treatment of the kidney stones depends on their size and the mineral it is made of and also if the urinary tract has been blocked. To get a clear image of the condition, the doctor will ask you to go through medical tests like urine tests, blood tests, CT scans, and x-ray.

      If there is a small kidney stone detected, then the doctor will prescribe some medicine and ask you to drink plenty of water and juice to pass it out through urine. If the stone size is large then it will require additional treatment.

      The doctor can perform shockwave lithotripsy to treat kidney stones. The shockwaves are performed on the area of the stone to crush it into small pieces. After the treatment, the doctor prescribes medicines to help the small stones pass out through urine.

      On average, the stone removal surgery in India cost ranges from Rs. 30,000 to Rs. 90,000. Your critical illness insurance policy can come in handy to provide you financial aid for the treatment cost.

      Benefits of Critical Illness Insurance Policy

      Since your basic health insurance plan might not provide you cover for a particular illness or disease. It is recommended to purchase the critical illness plan separately to get financial aid for a critical illness that you might be suffering from.

      You can ask your insurer to provide you with the information related to critical illness cover and the kinds of diseases it covers then based on your requirement you can purchase the plan and include it in your existing health plan. It will increase the premium rate but you will save a lot in case of a medical emergency.

      Lifestyle changes with time and life become stressful day by day. In this stressful life, purchasing a health plan can become a saviour for the savings that you must have earned with your hard work.

      Conclusion

      People in India mostly depend on outside food instead of homemade food to maintain their work and life balance. The unhealthy food and minerals going inside the body can cause several health-related issues such a kidney stones. Be it any medical condition, the inflation in the medical sector is skyrocketing and that is why it is important to cover yourself and your family with a health insurance plan.

      Also, as per the insurance industry experts, purchasing a critical health insurance policy online can be cost-effective than purchasing the plan offline. You can edit the coverage of your insurance plan, calculate premium rates and learn about the policy thoroughly. It can also exclude the insurance agent’s fee because you are purchasing the policy online from the comfort of your home.

      book-home-visit
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      Read more
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL