What are the Benefits of a Kidney Stone Insurance Policy?
March 28, 2019

Caused by crystal concretion, kidney stones are a common healthcare issue in India. A 2018 study conducted by Tilahun Alelign and Beyene Petros states that these urinary stones affect 12% of the world’s population. In India, the occurrence is increasing in women. With ICU and OPD charges, doctors’ fees, and medication bills being part and parcel of the recovery process, opting for a kidney stones insurance cover can help you save significantly if you are diagnosed with the condition.

Take a look at some of the key benefits that you can enjoy when you opt for a kidney stones cover.

Get coverage for diagnostic tests and hospitalisation expenses

If you show symptoms of kidney stones such as a sharp pain in the abdomen or your sides, your doctor may ask you to undergo diagnostic tests. These include blood testing, CT scans and ultrasounds. In case the stone is very small, drinking water and consuming pain killers may suffice. But if it is large, you may need hospitalisation and may have to undergo procedures like shock wave lithotripsy (ESWL), or percutaneous nephrolithotomy to remove the kidney stone. In such a scenario, having a kidney stone medical insurance policy will help you save on costs. For example, the Kidney Stones Cover offered by Bajaj Finserv extends financial assistance for diagnostic tests and hospitalisation up to Rs.50,000.

Get coverage for doctors’ fees and room rent

During the course of your illness you may need to consult your practitioner a number of times and may end up spending a lot in the form of doctors’ fees. A kidney stones cover helps you take care of this expense during, pre- and post-hospitalisation. Moreover, if you require hospitalisation, you will also have to bear room rent charges. The kidney stones cover offers you Rs.1,000 per day towards this for a normal room and up to Rs.2,000 per day if you are in the ICU.

Coverage for pre- and post-medication charges

During the course of treatment your doctor will prescribe a range of medicines to mitigate pain, decrease inflammation, and eliminate excess salts. These medications generally fall into the narcotic, anti-inflammatory and diuretic classes. A kidney stone medical insurance cover will help you pay for such medicines during, pre- and post-hospitalisation.

Having seen the many benefits of this policy, avail a kidney stone cover from Bajaj Finserv by applying online. It not only offers coverage of up to Rs.50,000, but also gives you access to several other conveniences for an annual fee of just Rs.499. You can pay the premium amount conveniently through payment options like UPI, debit/credit card, online transfer and mobile wallet to get the coverage you seek in moments.

Since kidney stones is a common condition in India, it is better to be prepared in case you get diagnosed with it. Hence, Bajaj Finserv offers Pocket Insurance products that help you target your specific needs. Kidney Stones Insurance is one such policy that can help you plan your health better.

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