As per research, up to 12% of the population of India is affected
by kidney stones every year. Such stones are formed when substances like
phosphorus, calcium, uric acid, oxalate, etc. get highly concentrated in the
urine. If left untreated, these stones can cause severe health hazards and can
also lead to renal failure.
The hospitalisation and medication expenses for the treatment of
such diseases can be high as several diagnostic tests, medication charges and
even surgeries are involved. One convenient way to meet such costs is by
availing insurance schemes like kidney stones cover,
which are customised for such events and offer high sum assured to feed your
medical needs.
Causes of
kidney stones
Most commonly, there are 4 types of kidney stones that have
different reasons for formations.
These are:
- Uric
acid stones
These types of stones are caused due to the deficiency of fluid in
the body. It can also form in individuals who have a high-protein level in
their diet. Uric acid stones can also be genetic and can be inherited from
parents or other family members carrying such diseases. The cost of the removal
of such stones tends to be higher. You can avail medicare cover for kidney
stones to manage the expenses of such treatments.
- Struvite
stones
These
stones are formed due to kidney infections. Removing such infected stones from
the urinary tract is one way to cure such diseases.
To
manage the cost of the surgery required for the removal of such stones you can
avail Pocket Insurance schemes like Kidney Stones Insurance Cover offered by
Bajaj Finserv. It offers sum assured up to Rs. 50,000 against a premium of Rs.
499 per year.
- Calcium
stones
Calcium
stones can be of 2 types - calcium oxalate stones and calcium phosphate stones.
●
Calcium
oxalate stones are formed due to the high excretion of calcium and oxalate in
the body.
●
Calcium
phosphate can be formed if the calcium and alkaline (pH) level of the urine
increases.
- Cystine
stones
These
stones are formed due to genetic disorders and result in the leaking of cystine
through the kidneys and into the urine. The cystine tends to form crystals that
accumulate in the form of stones.
The
cost of the surgery of such stones can be higher for which you can avail kidney
stone medical insurance schemes as financial protection. These policies cover
all expenses that you incur while being hospitalised.
Such
coverage is also provided with Pocket Insurance schemes like Infection Cover from Bajaj Finserv that
provides a higher sum assured up to Rs. 50,000 against a minimal annual premium
of Rs. 79. Under this health insurance scheme, you can claim coverage for
hospitalisation, medication, doctor fees, etc.
In
addition to the above, kidney stones can also cause due to the rise in the
sodium level and animal protein in your body.
Symptoms
The
general signs to detect such diseases are:
●
Pus or
white blood cells in the urine
●
Vomiting
and nausea
●
Frequent
urge to urine
●
Blood in
urine
Additionally,
the presence of kidney stones can also give you fever and chills with
infections.
You can also avail
schemes like hospital cash cover to avail a higher coverage. The policy offered
by Bajaj Finserv under their Pocket Insurance category offers a sum assured up
to Rs. 1 Lakh against an annual premium of Rs. 322. This scheme also provides
daily cash benefits of up to Rs. 3000 to meet day-to-day medical expenses.
When
you avail such mediclaim for kidney stones, do make sure to check the
inclusions and exclusions of your plan. Besides, check the claim process of
your insurer to avoid hassle at the time of claim.
Apart
from the above, you can avoid the formation of kidney source by drinking enough
water and keep a regular check on your diet.
