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Does Health Insurance Cover Kidney Stones In India?

Santosh is an employee working for a private company in Pune. He is a software engineer by profession and works hard to accomplish his goals. Recently, he went to a nearby clinic for a general health check-up. The diagnosis revealed that he has developed kidney stones. Operating kidney stones can cost more than Rs 1 lakh. Santosh was not sure that does health insurance covers kidney stones? However, when he checked he got to know that he can get a kidney stone insurance claim under his health insurance plan that helped him manage the expenses with ease.

Kidney Stones

Health illnesses can lead to high expenses while getting treatment in a hospital. That’s why buying a health insurance plan is the right choice because it will help to get high protection against various ailments. Not only that, it even gives ways to claim the amounts for minor and terminal illnesses that will help experience peace of mind significantly. 

What is a Kidney Stone?

A kidney stone is a hard object that is primarily made from chemicals in the urine. It forms within a person’s kidney or urinary tract that can lead to several discomforts. Kidney stones involve four different types which will affect the lives of a person. Therefore, anyone who wants to get relief from kidney stones should undergo high-quality treatment in a hospital.

In most cases, the stone may stone in the kidney and travel down the urinary tract, and deposit in the ureter. Dehydration is the main reason that causes kidney stones which require more proper medical attention. Some other factors responsible for the problem include obesity, eating too much salt or sugar foods, a sedentary lifestyle, etc. 

Symptoms of Kidney Stones

Kidney stones can lead to some symptoms, and one should be aware of them properly that will help choose a treatment based on them. Some of them include blood in the urine, nausea, vomiting, fever, chills, urine that smells bad, back pains, etc. On the other hand, the symptoms may vary from one person to another person, which will result in various problems. 

Diagnosis and Treatment

People who suffer from kidney stones should undergo a blood test, urine test, and CT scan to detect the severity of symptoms. Furthermore, the treatment will depend on the type, symptoms, and health conditions. A doctor will recommend shockwave lithotripsy to treat kidney stones with high efficiency. The shockwaves will be performed on the affected areas to crush the stones into small pieces. It provides ways to restore the conditions that give ways to lead a healthy lifestyle. In some cases, patients need surgery to effectively get rid of kidney stones. They should also take medications to improve their conditions. 

Is it Possible to Get Coverage for a Kidney Stone in Health Insurance?

Does health insurance cover kidney stones? The answer is yes, and one can claim the amount for the same. Not only that, health insurance makes feasible ways to manage treatment costs, thereby helping to witness peace of mind. Anyone who wants to ensure maximum protection against high medical expenses can select a plan which exactly fits their budget and lifestyle.

Why Should One Buy a Health Insurance Plan?

Buying health insurance offers several benefits to policyholders that will help reduce their financial burden. First, it allows a person to ensure a high-quality treatment for various problems, including kidney stones. Is kidney stone covered under health insurance? This is the first thing to look at while buying a policy. Policy buyers should know what is covered and what is not covered in detail, which will help a lot to proceed further.

Choosing the Best Health Insurance Plan for Kidney Stones

After evaluating the features and other things, a policy buyer should consider choosing the best health insurance for kidney stones. Having the right type of plan enables patients to receive coverage for doctor’s fees, medications, hospitalization expenses, diagnostic tests, and treatment charges. Moreover, the premium prices will be affordable, and one can pay them without any hassles. The Star health insurance kidney stone plan is ideal for those who want to save money from high expenses. It is available online, and one can buy the same at discounted prices that will reduce expenses. The policy even gives methods to safeguard a person from medical inflation that lowers unwanted worries.

Things to Consider While Buying a New Health Insurance Plan

Buying a new health insurance policy involves several challenges because it should meet some parameters. The first factor to keep in mind is the pre-existing disease because most insurance companies don’t offer cover for the same. Some policies offer coverage with a waiting period of 2 to 4 years. It is wise to read the terms and conditions before signing the documents. 

A policy buyer should choose the right insured amount because it helps a lot to claim maximum coverage for the expenses. For example, health insurance for kidney stones allows a person to get the best treatments in listed hospitals during medical emergencies. Moreover, it gives methods to effectively reduce kidney stones’ symptoms by addressing the essential needs.

Some other things to keep in mind while buying a plan include duration, premium amounts, income, and the number of dependents. At the same time, a policy buyer should know about the kidney stone claim process in detail. This, in turn, provides ways to minimize financial troubles significantly.

The Conclusion

Kidney stones can lead to complications when they are not handled properly. Besides that, the costs of diagnostic procedures and treatment may become expensive. Hence, one should consider buying a kidney stones insurance plan from a reputable company that will help accomplish goals in the coverage process. However, it is important to compare the plans online before investing money. A health insurance policy allows a person to get coverage for all expenses related to kidney stones. However, policy buyers should read reviews before purchasing a plan that will help decrease medical costs. With medical expenses increasing in markets, purchasing a policy makes good sense. 

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