What is Kidney Stone Insurance?
A kidney stone is a medical condition that can be caused due to excessive weight, a family history of kidney stones, dehydration, etc. Kidney stones 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 the patients. The entire process from diagnosis, consultation, and treatment to post-treatment care can lead to 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.
Key Features and Benefits of Insurance for Kidney Stones
Let’s take a look at the main features offered under the kidney stones insurance plan:
How to Apply for Kidney Stones Insurance?
Buying the kidney stones insurance plan on Bajaj Markets is an extremely easy and simple process. Just follow the list of steps given below:
After all the steps are complete, your kidney stone insurance will soon be activated!
Eligibility Criteria
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.
What's covered Under Kidney Stones Insurance?
Kidney Stone Insurance Policy Details
If you want to understand the specifications of the Kidney Stone Insurance plan in more detail, you can take a look at the table given below:
Name of the Plan |
Kidney Stone Insurance |
Starting rate of premiums |
₹499 |
Maximum sum insured |
₹50,000 |
Policy tenure |
1 year |
Pre and post hospitalisation |
15 days before and after hospitalisation |
Room rent |
₹1,000 per day for a regular room, ₹2,000 per day for ICU |
What is not covered Under Kidney Stone Insurance?
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 this insurance plan.
Kidney Stone as a Pre-Existing Condition
If a patient is suffering from kidney stones, they may not be eligible for buying the kidney stone insurance plan.
How to Make a Kidney Stone Insurance Claim?
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.
Customer Care Details
You can connect with us at Bajaj Markets. Just write to us at: insuranceconnect@bajajfinservmarket.in
Kidney Stone Insurance FAQs
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✔️ Is kidney stone treatment covered in insurance plans?
The kidney stone coverage in insurance policies may vary from one insurance provider to another. So, it is recommended to confirm it with your insurer.
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✔️ Why should I get insurance for kidney stones?
Kidney stones are a common condition affecting millions of people around the world each year. The treatment expenses for this condition are quite expensive. Hence, it’s best to opt for kidney stone covered in insurance rather than bear heavy expenses later on.
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✔️ How much does the kidney stone insurance cost?
In order to get kidney stone treatment covered in insurance, you will need to pay a premium of ₹499 per annum.
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✔️ How much coverage will I receive for the kidney stones cover?
The insurer offers a high coverage limit of ₹50,000 under the kidney stones cover.
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✔️ Will the kidney stones cover expenses beyond the policy period?
No, expenses incurred beyond the policy period will not be covered by the insurer.
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✔️Can I use kidney stone insurance to cover other medical conditions?
No, the kidney stone insurance is applicable only for kidney stones and not for any other medical condition.
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✔️Can I buy kidney stone insurance online?
Yes, you can buy kidney stone insurance online at Bajaj Markets.
