Health Insurance for Kidney Stones

Health Insurance for Kidney Stones

Kidney Stones

Kidney stones refer to the hard deposits made up of minerals and salts that accumulate inside the kidneys. Many factors, like some medical conditions, excess body weight, certain supplements, and a few medications, are  causes for kidney stone.  

Pain in the side or back, pain below the ribs, pain in the lower abdomen and groin, irregular stomach pain, colour change in urine, urinating more often, urge to urinate, etc. are some of the kidney stone symptoms. Managing the symptoms of kidney stone may be difficult when they develop. The doctor may provide medicines for kidney stone pain relief.

 
Many kidney stones pass on their own, but the doctor might schedule a kidney stone surgery if there are stones blocked in the ureters, large, painful kidney stones, kidney stones obstructing urine flow, or the stones causing bleeding (or infection).
Many serious cases might make an individual struggle to pay the kidney stone operation cost. 

For many people, finding financial support for a unique type of medical care, like a kidney stone issue, after a sudden kidney stone diagnosis is challenging. So, what can middle-class people do for kidney stone treatment after noticing the symptoms of kidney stones in their family members without experiencing financial hardship? Thus, it is important to buy kidney stone insurance. The kidney stones cover plan with maximum health insurance advantages will help reduce one’s financial burden.  

Prevention of Kidney Stone

 
Some people who find it hard to execute simple kidney stone home remedies might look for ways to prevent kidney stones before they arrive. For kidney stone prevention, one can consider the following :

• Drink enough fluid, which is 2–3 quarts per day. 
• Avoid or limit eating foods containing high oxalate content.
• Eat foods containing enough dietary calcium. But avoid taking extra calcium supplements.
• Have the habit of eating a moderate amount of protein.
• Do not consume more salt. 
• Limit the amount of sodium intake from the food. This is because high sodium consumption increases calcium levels in the urine, which raises the chances of kidney stone formation.
• Prefer a low-salt diet to have control over blood pressure.
• Avoid taking high doses of vitamin C supplements.
   

But, in the event that this condition is unpreventable, it will be wiser for you if you already have a kidney stone cover that provides you with maximum benefits. 

Kidney stones are hard deposits of minerals and salts that form inside the kidneys or the urinary tract. They can cause severe pain, blood in urine, infection and kidney damage.

The treatment of kidney stones depends on the location, size and type of the stones. Some kidney stones can be passed out with urine by drinking plenty of fluids and taking painkillers. However, some kidney stones may require medical intervention, such as medication, shock wave therapy or surgery.

Depending on the type of therapy, the facility and the city, the cost of treating kidney stones can change.

This is where health insurance can help. People who have kidney stones or are at risk of getting them can find financial security and peace of mind from health insurance.

There are different types of health insurance plans available in India, such as individual health plans, family health insurance plans, group health plans, senior citizen health plans, critical illness plans, etc. Each plan has its own features, benefits, limitations, and exclusions. Therefore, it is important to compare and choose a plan that suits your needs and budget.

Some of the factors that you should consider while buying health insurance for kidney stones are:

Coverage: You should look for a plan that covers the diagnosis and treatment of kidney stones, including tests, medicines, hospitalization, surgery, etc. You should also check if there are any sub-limits or co-payments involved.

Waiting period: You should check if there is any waiting period for pre-existing diseases or specific ailments like kidney stones. A waiting period is a time during which you cannot claim any benefit for a particular condition.

Exclusions: You should check if there are any exclusions or conditions that are not covered by the plan. For example, some plans may not cover congenital anomalies, alternative therapies, cosmetic treatments, etc.

Network hospitals: You should determine if the plan has a large network of hospitals where you may receive treatment without paying cash. Cashless treatment means that you do not have to pay anything at the time of admission or discharge.

Premium: You should compare the premium rates of different plans and choose a plan that offers adequate coverage at an affordable price. You should also check if there are any discounts or bonuses available for renewing or buying online.

Claim process: You should check how easy and fast is the claim process of the plan. You should look for a plan that has a high claim settlement ratio, low rejection rate, and quick turnaround time.

Depending on the type of therapy, the facility, and the city, the cost of treating kidney stones can change.

The average cost of treating kidney stones in India is Rs. 25,000. However, this cost can go up to Rs. 1 lakh or more in some cases. Moreover, kidney stones can recur in some people, increasing the financial burden.

Conclusion

If you are looking for health insurance coverage for kidney stones, there are several options available in India. Many insurance providers offer coverage for kidney stone treatments, including surgical and non-surgical procedures. 

Health insurance plans can help you manage the costs of consultation, diagnosis, treatment, and post-treatment follow-ups for kidney stones, which can be quite hefty and may put patients under financial strain. 

It's crucial to get a complete insurance plan that fits your needs and pays for potential kidney stone diagnosis and treatment costs.

Additionally, making lifestyle changes such as increasing water consumption and avoiding oxalate-rich foods can help prevent kidney stones.

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