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Every year, more than half a million people get diagnosed with kidney stones. This leaves every 1 in 10 people with kidney stones at some point in their lives. These stones are simply hard mineral deposits in the kidney. Most often than not, the current urban lifestyle has been the most common contributor to this condition.

But, the management of kidney stones is fairly simple. However, the entire process from diagnosis, consultation, and treatment to post-treatment care can bear hefty bills. With Kidney Stones Cover, you can enjoy a full range of benefits from medical expenses to full-treatment coverage. 

Features & Benefits

  • High coverage amount

    You can receive full coverage against kidney stones up to Rs. 50,000.

  • Complete hospitalization coverage

    This Kidney Stones Cover enables you to claim coverage for all hospitalization expenses including pre-hospitalization, hospitalization, medication and doctor’s fee

  • Affordable Premium

    At just Rs. 499 per annum, the plan offers great value for money.

What's Covered?

  • Hospitalization expenses & Daily room rent

    You can exercise hospitalization expenses to a maximum of Rs. 50,000/- for the specified ailment. In addition, you receive coverage for daily room rent up to Rs. 1000/- per day for normal room occupancy and Rs. 2000/- per day for ICU occupancy. All the other charges would be in accordance with the room rent restriction.

  • Doctor’s fee and Diagnostic tests

    The expenses for the doctor’s fee before, during, and after hospitalization will be covered along with the costs for the required diagnostic tests before and during hospitalization.

  • Treatment Charges and Medications

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

  • Medical expenses incurred

    All of the incurred medical expenses for the period of 15 days before and after hospitalization will be covered.

What is not covered?

  • Hospitalization within the first 30 days

    The insured person will not be provided with cover if they are hospitalized due to a kidney stone within the first 30 days.

  • Hospitalization for other and pre-existing conditions

    The plan does not cover incidences of pre-existing conditions for kidney stones and other conditions apart from kidney stones.

How to Apply for the Kidney Stone Insurance?

  • Visit Finserv MARKETS

    Visit our website and go to the Pocket Insurance and VAS products page

  • Select Product

    Choose Kidney Stone Insurance from the wide array of products

  • Fill Details

    Fill in your details like name and phone number in the online form.

  • Make your payment

    Pay for your insurance using your preferred mode whether UPI, mobile wallets or debit and credit card.

Claim Process

To claim your Kidney Stone Cover insurance, you can contact the insurer by the following process:


  1. You can either email them at or contact their toll-free number at 1800-270-7000.
  2. 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.

Manage your queries related to Kidney Stone Insurance here

  • ✔️Why should I get a Kidney Stones Cover?

    Kidney stones are a common condition in the current times which develop without any due notice. The treatment and procedure for this condition are however expensive. Hence, it’s best to be proactive with the Kidney Stones Cover than bear heavy expenses later on.   

  • ✔️How much premium should I pay?

    The premium to be paid to avail of this cover is Rs. 499 per annum. 

  • ✔️How much coverage will I receive for the Kidney Stones Cover?

    The insurer offers a high coverage limit of Rs. 50,000 with the Kidney Stones Cover.

  • ✔️Will the Kidney Stones Cover provide for expenses beyond the policy period?

    No, expenses incurred beyond the policy period will not be covered by the insurer.

  • ✔️Can I use this cover for other medical conditions?

    No, the Kidney Stones Cover is applicable only for kidney stones and not for any other medical condition.