All You Need To Know About Kidney Stones And Why You should Buy A Kidney Stone Insurance Policy

India has one of the highest number of patients affected by kidney stones. It is a common ailment, especially in the northern sector of the country. A combined effect of weather, diet, water quality and availability, as well as the choice of lifestyle contributes to the growing number of cases of renal calculi across the nation.

What is a kidney stone?

A kidney stone is a medical condition where chemicals present in one’s urine forms hard and crystalline mineral deposit inside the kidney or urinary tract. It can grow in size, and obstruct the flow of urine, causing severe discomfort and pain. A patient may pass kidney stone through their urine, or get it surgically removed at a healthcare centre.

However, the recent increase in healthcare cost has resulted in a significant hike in the overall expense of the operation. In severe cases when the stone is larger than 15mm, surgery can cost around Rs. 30,000 depending on the condition of the patient.

You can avail a kidney stones cover to mitigate the financial strain of such surgery and to pay for the necessary medication, diagnosis, and consultation afterwards. This insurance policy is an excellent alternative to create a secure financial backup to pay for an expensive operation.

What causes kidney stones?

Kidney stones can happen because of several reasons. Let’s take a look at some of the most common causes.

  1. Climate – The warm climate of India is one of the primary reasons for the proliferation of kidney diseases. Excessive sweating caused in such climates leads to severe dehydration and concentrated urine, leading to cases of kidney stones.

A large percentage of people have chances of developing this condition in their lifetime. It is the primary reason why you should opt for a kidney stones insurance cover to ensure you don’t face any financial distress in future.

  • Water intake – Availability of poor quality drinking water contributes to the accumulation of minerals inside one’s kidneys. Also, most people do not drink enough water to compensate for the sweating, which also leads to kidney stones.
  • Diet – Most Indians consume oxalate rich diet with a fair portion of dairy produce. It increases the protein quantity in their body and increases the chances of a kidney stone.

Diagnosis and removal of kidney stone

Diagnosis, removal, and following treatment of kidney stone is a lengthy process. Also, the high cost associated makes kidney stones insurance plan a necessity for every one suspected with this condition.

The complete process includes extensive diagnosis to locate and identify the deposit, as well as to judge the condition of the patient. An individual will also have to go through several follow-up diagnosis procedures to determine their physical condition.

The accumulated cost of pre-hospitalisation, hospitalisation, medication, and miscellaneous fee can reach a significant amount. A kidney stones insurance cover offered by Bajaj Finserv under their range of Pocket Insurance plans can help you tackle these accompanying costs.

What does it cover?

Insurance for kidney stones covers some of the essential factors of the treatment. Here are some of the included features.

  • Hospitalisation – You can avail hospital expenses for the ailment under the insurance policy. You can also avail an add-on policy like hospital cash cover by Bajaj Finserv to mitigate any extra financial requirement.
  • Diagnostics fee – Kidney stones coverage includes all cost of diagnostics before and during hospitalisation.
  • Consultation fees – All expenses incurred for doctor’s consultation before, during, and after hospitalisation is covered under this policy.
  • Medical expenses – All types of medical expenses (including the cost of medication) sustained 15 days before and after hospitalisation is included.
  • Treatment charges – Expenses like room rental, transfusion, ICU charges, etc. are also included in a kidney stones cover.

kidney stone is one of the most prevailing medical conditions in the Indian subcontinent. Thankfully, an insurance policy for the same can provide you with ample financial support to avail the best possible medical treatment.

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