Kidney Stones Insurance

A kidney stone is a medical condition that can be caused due to excessive weight, a family history of kidney stones, dehydration, etc. These are hard deposits consisting of various minerals and salts that can form inside your kidneys. Although kidney stones are treatable, they can cause a tremendous amount of pain to those affected. 

The entire process from diagnosis, consultation, and treatment to post-treatment care can potentially result in hefty medical bills. With the kidney stone medical insurance cover, you can enjoy a full range of benefits from medical expenses to full-treatment coverage that can help in keeping your finances secure. Let’s take a deeper look at kidney insurance to understand its benefits and features.

Here are the main features of the kidney stones insurance plan:

Substantial Financial Coverage for Kidney Stone Treatment

You can get a maximum sum insured of ₹50,000 for the treatment costs of your kidney stones. 

Full-Fledged Hospitalisation Coverage

The kidney stones insurance cover enables you to claim coverage for all hospitalisation expenses including pre-hospitalisation, medication and doctor’s fees.

Low-Cost Premiums

At a starting price of just ₹499 per annum, kidney stone insurance offers great value for money.

Pre and Post-Hospitalisation Coverage

The kidney stones insurance plan also provides coverage for 15 days before and after hospitalisation. 

Buying the kidney stones insurance plan on Bajaj Markets is an extremely easy and simple process. Just follow the list of steps given below:

1. Click on Buy Now

Go to the page and tap on ‘Buy Now’.

2. Submit details

Enter the details in the application form.

3. Pay online

Once you submit the application form, pay the premium charges online to complete the process. The policy will then be sent to your email ID.

Here are the basic eligibility criteria for kidney stone insurance: 

• The applicant must be a citizen of India

• The age of the applicant must be 18 years or above

• The applicant must not have any pre-existing conditions related to kidney stones

1. Hospitalisation Expenses 

You can secure hospitalisation expenses up to a maximum of ₹50,000 for the specified ailment.

2. Room Rent

You will receive daily room rent coverage of up to ₹1,000 per day for normal room occupancy and ₹2,000 per day for ICU occupancy.

3. Doctor’s Fee and Diagnostic Tests 

The expenses for the diagnostic tests as well as the doctor’s fee before, during, and after hospitalisation will be covered under the plan.

4. Treatment Charges and Medications

Treatment charges including room rent, transfusion, medicines, doctor’s fee, ICU, and tests along with expenses for medications before, during, and after hospitalisation will be covered.

Following are the exclusions under the kidney stone insurance plan: 

• Hospitalisation in the First 30 Days 

If the insured is diagnosed with kidney stones within the first 30 days of purchasing the insurance plan, they will not be eligible for coverage. 

• Other Illnesses or Medical Conditions 

Any other medical conditions or diseases apart from kidney stones will not be covered under the pocket insurance plan.

• Kidney Stone as a Pre-Existing Condition 

If a patient is already suffering from kidney stones, they may not be eligible for buying the kidney stone insurance plan.

In order to make a kidney stone insurance claim, you can contact the insurer in the following way:

• You can either email them at care.healthinsurance@adityabirlacapital.com or use their toll-free number at 1800-270-7000.
• Once you receive the claim form, fill it up accurately and attach the required documents such as medical bills, and doctor’s reports before submitting the form.

You can connect with us at Bajaj Markets. Just write to us at: insuranceconnect@bajajfinservmarket.in