Best Health Insurance Company in India

Eligibility Criteria for Kidney Stone Insurance and Factors that Affect Premiums

4 December, 2024

10 Shares

36 Reads

kidney stones insurance

Share

Kidney stones are a common health issue in India, impacting around 10% of the population. A buildup of salts and minerals, such as calcium, phosphate, and uric acid, in the urine causes kidney stones. This crystalline material can form clumps that grow and harden in the kidneys, leading to pain and other complications. Fortunately, a kidney stone can be treated with proper medical treatment, and critical illness insurance is available to help cover the medical costs associated with the condition.

 

This blog will discuss the causes and symptoms of kidney stones. It will also observe how kidney stones can be diagnosed on time, along with the need for separate kidney stones insurance.

 

Causes and Symptoms of Kidney Stone

Understanding what causes kidney stones can help you prevent the condition from developing or worsening in many cases. The following are some of the most familiar causes of kidney stones:

 

Causes

  • Not drinking enough fluids
  • Eating too much animal protein
  • Eating too many oxalate-rich foods (such as spinach, almonds, and peanuts)
  • Eating too much salt
  • Having a family history of kidney stones
  • Having certain medical conditions, such as hyperparathyroidism, renal tubular acidosis, and urinary tract infections.

 

Symptoms

When you develop kidney stones, your body tries to tell you that by indicating many physical changes in the body, some of them are:

 

  • Pain in the side and rear, below the ribs
  • Pain that diverges to the lower abdomen and groin
  • Discomfort that comes in waves and fluctuates in intensity
  • Pain on urination
  • Nausea and vomiting
  • Pink, red, or brown urine
  • Cloudy or foul-smelling urine
  • Urinating more often than usual
  • Urinating small amounts

 

Diagnosis of Kidney Stone

Kidney stone is one of the most common urological diseases, and it is estimated that 1 in 10 people will develop a kidney or calculi stone at some point in their life. There are many aspects that can be the reason for the formation of kidney stones, including genetics, diet, medications, and lifestyle. If diagnosed on time, it will be a lifesaver for the patients.

 

The first steps in a kidney stone diagnosis are medical records, exams, and diagnostic testing. Your doctors will need to know the exact size and shape of the kidney stones. A high-definition CT scan of the kidneys or a KUB x-ray (kidney, ureter, and bladder x-ray) can be used to decide the size and location of the stone.

 

Surgeons frequently obtain a KUB x-ray to determine whether the stone can be treated with shock waves. Although CT scans are commonly used for diagnosis, the KUB screening could be used to evaluate your stone before and after treatment.

 

Second, your doctors will determine the best course of treatment for your stone. Your kidneys' condition will be assessed using blood and urine samples. Doctors will consider your overall health as well as the size and location of the stone.

 

Your doctor will then try to figure out what caused the stone. They will then analyse the stone after it has been removed from your body and check your samples for calcium, phosphate, and uric acid. In addition, the doctor may request that you keep track of your urine output for 24 hours to check for uric acid and excess calcium in your body.

 

Eligibility Criteria for Kidney Stones Insurance

The following are the basic eligibility requirements for kidney stone insurance:

 

  • The applicant must be an Indian citizen.
  • They must be at least 18 years old.
  • They must not have any pre-existing kidney stone conditions.

 

Factors Affecting Kidney Stones Insurance Premiums

Here are a few factors that can affect your insurance premiums for kidney stones:

 

  • Age: Insurance companies typically charge higher premiums for older individuals because they pose a greater risk of developing kidney stones.
  • Gender: Insurance companies may also charge higher premiums for women, as they are more likely to develop kidney stones.
  • Lifestyle: People who live an unhealthy lifestyle, such as smoking or drinking, may also be charged higher premiums.
  • Medical History: People with a family history of kidney stones may be charged higher premiums.
  • Location: Insurance companies may charge higher premiums in areas that have higher instances of kidney stones.
  • Deductible and Coverage: The higher the deductible you choose, the lower your premiums may be. The type and amount of coverage you choose may also affect your premiums.

 

Kidney stones are covered under insurance for critical illness, which can be a great way to protect yourself from the financial burden associated with kidney stones. It is critical to understand the eligibility criteria for getting covered for kidney stones and the factors that affect the premiums to make sure that you are adequately covered. By understanding these factors, you can ensure that you are getting the best possible coverage for your needs. You can choose critical care plans to cover such situations, and platforms like Niva Bupa can help you find the best-suited plan for it.

Start Your Insurance Today!

Secure your Health with comprehensive insurance plans from Niva Bupa

+91
Disclaimer infoBy clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.

You may also like

Health InsuranceHealth InsuranceMedical Insurance Best Health Insurance PlansHealth Insurance PlansHealth Insurance PolicyBest Health Insurance PlansBest Family Health InsuranceBest Mediclaim PolicyBest Health Insurance In IndiaBest Medical Insurance In IndiaBest Health Insurance Plans In IndiaBest Health Insurance Policy In IndiaMediclaimBest Health Insurance For Senior Citizens In IndiaBest Health InsuranceHealth Insurance With Opd CoverMediclaim InsuranceMedical Insurance PlansBest Health Insurance Company in IndiaCritical Illness InsurancePersonal Accident InsuranceMediclaim PolicyIndividual Health InsurancePregnancy InsuranceMaternity InsuranceBest Family Health Insurance plans in IndiaBest Health Insurance companyFamily Health InsuranceBest Health Insurance plans for Senior CitizensMediclaim Policy for Family

 

Health Insurance SchemesChief Ministers Comprehensive Health Insurance SchemeEmployee State Insurance SchemeSwasthya Sathi SchemePradhan Mantri Matru Vandana YojnaGovernment Health Insurance SchemeDr. YSR Aarogyasri SchemePradhan Mantri Suraksha Bima YojnaHealth Insurance DeductibleWest Bengal Hcovealth SchemeThird Party AdministratorRashtriya Swasthya Bima YojanaIn Patient Vs Out Patient HospitalizationMukhyamantri Chiranjeevi YojnaArogya Sanjeevani Health InsuranceCopay Health InsuranceCashless Health Insurance SchemeMukhyamantri Amrutum Yojna

 

Travel Insurance - Travel Insurance | International Travel InsuranceStudent Travel InsuranceTravel Insurance USATravel Insurance CanadaTravel Insurance Thailand | Travel Insurance GermanyTravel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist PlacesThailand Visa for Indians  | Canada Visa for Indians | Bali Visa for IndiansECR and Non ECR Passport | Qatar Visa StatusUSA VisaVietnam VisaUSA H1B Work Visa

 

Become an agentInsurance Agent | Insurance AdvisorLicensed Insurance AgentHealth Insurance ConsultantPOSP Insurance Agent

 

Group Health InsuranceStartup Health Insurance | Commercial Health InsuranceCorporate insurance vs personal insuranceGroup Personal Accident Insurance

 

Top Hospitals -  Best Hospitals in ChennaiTop Hospitals in DelhiBest Hospitals in GurgaonBest Hospitals in IndiaTop 10 Hospitals in IndiaBest Hospitals in HyderabadBest Hospitals in KolkataBest cancer hospitals in BangaloreBest cancer hospitals in HyderabadBest cancer hospitals in MumbaiBest cancer hospitals in IndiaTop 10 cancer hospitals in IndiaTop 10 cancer hospital in DelhiMulti Speciality Hospitals in MumbaiMulti Speciality Hospitals in ChennaiMulti Speciality Hospitals in HyderabadSuper Speciality Hospitals in DelhiBest Liver Hospitals in DelhiBest Liver Hospitals in IndiaBest Kidney Hospitals in IndiaBest Heart hospitals in BangaloreBest Heart hospitals in IndiaBest Heart hospitals in KolkataBest Heart hospitals in Delhi


OthersTop Up Health Insurance PolicyCorporate Health InsuranceHealth CardSection 80d of Income Tax ActAyushman BharatHealth Insurance PortabilityGoActive Family Floater PlanHealth Companion Family Floater PlanHealth Premia Family Floater PlanHealth Pulse Family Floater PlanHealth Recharge Family Floater PlanHeartbeat Family Floater PlanMoney Saver Family Floater PlanSaral Suraksha Bima Family Floater PlanSenior Citizen Family Floater PlanSuper Saver Family Floater PlanCorona Kavach Family Floater PlanHospital Cash InsuranceCashless Health InsuranceHealth Companion Price revision | Heartbeat Price revision | ReAssure Price revision 

 

Health & Wellness - PCODPCOD Problems SymptomsStomach InfectionStomach Infection symptomsHome remedies for Stomach InfectionHypertension definitionHow to Control SugarTyphoid in HindiBlood sugar symptomsTyphoid symptoms in hindiLow sugar symptoms | ब्लड शुगर के लक्षणpregnancy me kya kareOpen heart surgery costBlood infection symptoms in hindiBP badhne ke karanKhansi ka gharelu upayOmicronCoronavirus Health InsuranceCovid XE VariantNorovirus

footer logo
Some image

www.nivabupa.com

Some image

+91 11 41743397

Some image

1860-500-8888

Some image

3rd Floor, Capital Cyberscape, Sector 59, Gurgaon

  • Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
  • 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
  • 2 Since Inception refers to claim data from 2010 till December 2023.
  • 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
  • 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
  • 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
  • 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
  • 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
  • Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
Social IconSocial IconSocial IconSocial IconSocial Icon