A
cause of extreme pain, kidney stones form due to hard deposits of acid salts in
the organ’s inner lining. An effective way to prevent them is to remain
hydrated and reduce salt intake. However, in case you are diagnosed with kidney
stones and need to undergo surgery, it can prove to be a financial setback.
Depending
on the treatment methodology, the cost can run into several thousands of
rupees. This is where a kidney stones insurance can come to your rescue.
Read on to know why you must add this insurance policy in your portfolio.
Health insurance may
not cover treatment costs for kidney stones
Your
health insurance policy may not cover expenses related to the treatment of
kidney stones. Even if it provides coverage, there can be a waiting period for
the same. In other words, in case you need to undergo surgery within the
waiting period, you will not get any reimbursement for the costs incurred.
In
such a scenario, a dedicated health insurance plan for kidney stones can give
you the much-needed financial cushion. You get a compensation equivalent to the
sum insured mentioned in the policy. This prevents depletion of your savings.
Harsh
climate making people prone to developing kidney stones
India
experiences a pretty harsh climate, particularly during summers. In several
cities of North India, temperatures easily cross 40 degrees Celsius and even
touch 50. Such high temperatures lead to extreme sweating and passing of highly
concentrated urine. It also exposes you to developing kidney stones.
Hence,
it’s vital to remain financially cushioned in the event of developing the
ailment and a tailor-made kidney stones insurance is your best bet. Such a
policy also offers coverage for expenses related to pre-hospitalisation,
medication and doctor’s fee, among others.
Timely
treatment can prevent chronic kidney ailments
Due
to lack of funds, people tend to ignore kidney stones. In some cases, they go
for treatment only when the case worsens. However, note that doctors strongly
advise treating stones right at the beginning. This is because ignoring them
can lead to chronic kidney diseases in the future.
According
to the Indian Medical Association (IMA), occurrence of kidney-related ailments
has almost doubled in the last decade and is expected to rise further in the coming
days. Getting kidney stones treated immediately after diagnosis goes a long way
in preventing ailments which may require renal replacement therapy.
Health
insurance for kidney stones not only provides the required funds for getting
rid of these stones, but also prevents the chances of developing critical
kidney diseases, with timely treatment.
Ensure you meet
essential commitments
Savings
directed towards treatment of kidney stones can affect crucial commitments such
as payment of insurance premiums, EMIs, utility bills, etc. However, with a
kidney stones insurance plan, you can easily meet these commitments as it takes
care of costs incurred in treating the ailment.
At
the same time, it helps you preserve the
no claims bonus of your health insurance plan. A no claims bonus is offered
by health insurers when you don’t make any claim in a year by raising the sum
insured at no additional premium. The feature guards you against rising medical
inflation, which is one of the highest in India.
The final word
When
you purchase a kidney stones insurance cover, it’s essential to compare the sum
insured, premium amount, inclusions and exclusions before making a choice.
Also, while filling up the proposal form make sure to declare all the
information correctly, particularly related to your health. This is because
concealing information related to health can lead to claim rejection.
Pocket
Insurance from Bajaj Finserv offers you a financial cushion against a range of
odds at an affordable premium. The offerings range in various domains including
travel, lifestyle and health, among others.
For example, Kidney
Stones Insurance provides coverage up to Rs. 50,000 at a cost-effective
premium. You also get coverage for expenses incurred on pre- hospitalisation
and hospitalisation along with doctor’s fee and medication. The plan also
offers you multiple payment options to choose from as per your convenience.
