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.

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    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.


    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.

    Written By: PolicyBazaar - Updated: 20 August 2021
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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