Select City
location
Get my Location
search icon
phone icon in white color

Call Us

Book Free Appointment

Is Kidney Stone Treatment Covered Under Insurance?

Most insurance providers in India offer coverage for kidney stone treatments. Insurance plans help patients from all sections of the society avail quality treatments, without worrying about hefty hospital bills. Read on to learn all about kidney stone insurance coverage, best insurance providers in India, and more.

Most insurance providers in India offer coverage for kidney stone treatments. Insurance plans help patients from all sections of the society avail quality ... Read More

anup_soni_banner
Kidney Stones Treatment Insurance Claim
A doctor representing pristyn care as a once stop destination for all surgical needs pointing to download pristyncare mobile app
i
i
i
i
Call Us

To confirm your details, please enter OTP sent to you on *

i

45+

Cities

Free Consultation

Free Consultation

Free Cab Facility

Free Cab Facility

No-Cost EMI

No-Cost EMI

Support in Insurance Claim

Support in Insurance Claim

1-day Hospitalization

1-day Hospitalization

USFDA-Approved Procedure

USFDA-Approved Procedure

Benefits of Choosing Pristyn Care Treatment with Insurance

Hospitalization Expenses
Get a wide range of expenses associated with surgery covered seamlessly, including room rent, medical procedures, diagnostic tests, surgeon’s fees, nursing fees, ICU costs, OR charges, etc.
Pre & Post Hospitalisation
Comprehensive coverage as specified by your insurance, including preparation and recovery for 30/60 days before and after hospitalization. Additional support through free follow-ups beyond the policy.
Cashless Payment
Eliminate the need to carry cash and make the payment process swift and easy. Pay and track the hospital transactions with added security.

Insurance Coverage For Kidney Stones In India

Kidney stones are hard deposits of minerals and salts inside the kidneys. The condition can cause a tremendous amount of pain to the patients, and its treatment is quite often a medical necessity. Hence, kidney stone treatment is often covered by insurance.

The cost of consultation, diagnosis, treatment, and post-treatment follow-ups for kidney stones can be quite hefty and may put patients under financial strain. In such a situation, medical insurance coverage allows the patient to avail a range of benefits from medical expenses to full-treatment coverage that can help in keeping your finances secure.

Both health insurance policies and mediclaim cover the cost of most kidney stone treatments. A health insurance policy offers coverage for treatment as a whole i.e., it covers anything and everything from medical and surgical expenses, hospitalization charges, ambulance costs, pre and post-hospitalization expenses, OPD charges, and so on. A mediclaim policy, on the contrary, only offers limited coverage, which is often restricted to hospital or care provider dues. Mediclaim coverage is only provided if the patient was hospitalized.

Otherwise, the insured person may not be able to claim a mediclaim policy. This, on the other hand, is not the case when it comes to a health insurance policy. A health insurance policy is all-inclusive, while mediclaim has some limitations. But, both policies offer cashless claims and reimbursement options in case of kidney stone treatment.

Eligibility Criteria For Insurance Coverage For Kidney Stones

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.

Note: It is best to contact your insurance provider to get clarity on health insurance policies and mediclaim, as the terms and conditions of both policies can differ based on your choice of insurance provider.

• Disease name

Kidney Stone

• Surgery name

ESWL, RIRS, PCNL, URSL

• Duration

60 to 90 minutes

• Treated by

Urologist

Kidney Stones Surgery Cost Calculator
i
i
i
i
Call Us

To confirm your details, please enter OTP sent to you on *

i
How to get Kidney Stone Treatment under Insurance?
The insurance claim process for kidney stone treatment may seem complicated, but is actually quite easy. Additionally, it is advisable that you contact your policy provider to understand the terms and conditions of your policy, and other necessary details.
1 Intimation
Fill up the pre-auth form at the network hospital for cashless approval. Fill up the pre-auth form at the network hospital for cashless approval
2 Approval/Rejection
Fill up the pre-auth form at the network hospital for cashless approval. Fill up the pre-auth form at the network hospital for cashless approval
3 Hospitalisation
Hospitalisation can be done on the basis of pre-auth approvalHospitalisation can be done on the basis of pre-auth approval
4 Claim Settlement
At the time of discharge, we settle the claim directly with hospitalAt the time of discharge, we settle the claim directly with hospital
1 Hospitalization At Non Network Hospital
You need to pay the bills initially and preserve the original invoices
2 Register A Claim
Post hospital discharge send us all your invoices and treatment documents
3 Verification
We verify your claim related invoices and treatment documents
4 Claim Settlement
We send the approved claim amount to your bank account
Best Doctors for Kidney Stones Treatment
  • online dot green
    Dr. Srikanth Munna (KBJCSTb09N)

    Dr. Srikanth Munna

    MBBS, DNB, M.Ch-Urology
    18 Yrs.Exp.

    4.8/5

    18 + Years

    location icon Hyderabad
    Call Us
    6366-529-112
  • online dot green
    Dr. Sujoy Basak (xPtJCzPl7o)

    Dr. Sujoy Basak

    MBBS, MS, DrNB-Urologist
    16 Yrs.Exp.

    4.6/5

    16 + Years

    location icon Kolkata
    Call Us
    6366-529-112
  • online dot green
    Dr. Praveen B (dv7S8UfzO1)

    Dr. Praveen B

    MBBS, DNB (GS), DNB (Uro)
    16 Yrs.Exp.

    4.7/5

    16 + Years

    location icon Bangalore
    Call Us
    6366-529-112
  • What Happens While Kidney Stones Treatment?

    Diagnosis:

    The symptoms of kidney stones are quite apparent with sharp pain in the side and back which increases with time. However, the doctor may recommend some diagnostic tests to confirm the presence of stones and determine their size, location, and number. Here are some diagnostic tests recommended by the kidney stone doctors –

    • Imaging tests –  Includes abdominal X-rays, ultrasound, MRI, and CT scans.
    • Blood tests – To examine the contents of calcium, phosphorus, uric acid, and electrolytes.
    • Blood urea nitrogen (BUN) and creatinine –  To determine any abnormal functioning of the kidneys.
    • Urinalysis – To assess urine contents and indicate any bacteria, blood, etc.

    Are you going through any of these symptoms?

    All Major Insurance Accepted

    Difference between types of Kidney Stone Treatment:

    There are four different surgical methods of kidney stone removal depending on the size, number, and location of the stone. These treatment methods are recommended when the mediations are ineffective against kidney stones. Different surgical methods for kidney stone removal include the following –

    The doctor administers spinal anesthesia to the patient before the procedure. The procedure can be done without anesthesia also, depending on the preference of the patient. The patient is made to lie on a water-bed cushion. The fluid prevents damage to the surrounding organs by acting as a medium between the lithotripter machine and the tissues. After determining the location of the stone, the surgeon releases a series of precise high-energy shock waves that break the renal stones into smaller fragments.

    The stone pieces are flushed out of the body through urine. There are no cuts or stitches involved during the shockwave lithotripsy and therefore, results in faster recovery. ESWL is usually not recommended for large kidney stones as it may require multiple sessions to completely break them. The surgeon may also choose to insert a ureteral stent in case of a large stone to reduce the pain during the stone expulsion.

    The procedure begins after the patient is given spinal or general anesthesia. The surgeon inserts a thin, long fiber-optic ureteroscope into the ureteral passage through the urethra. The stones are located precisely using external x-rays and imaging tests.

    Once the stone is located, it is either broken into smaller pieces with the laser or removed in its intact form. The stone fragments are collected in the stone basket and removed from the body. The remaining stone fragments are then flushed out through urine. The surgeon may use ureteral stents to help flush out the stones from the body. The stent expands the passage of the ureter, which makes it easier for the stone fragments to travel through the ureter and out of the body.

    Before the procedure, the patient is administered spinal or general anesthesia. After the patient is sedated, the surgeon uses a long, thin flexible endoscope and inserts it into the urethral passage to reach the urine-collecting part of the kidneys.

    Since precision is a key factor during RIRS surgery and so, the surgeon leverages x-rays and image screening to generate live images of the kidneys on an external screen. The endoscope is moved up in a retrograde manner towards the kidneys where the stone is present. Once the scope reaches the desired location, the surgeon uses an advanced holmium laser to target stubborn stones and break them into smaller fragments without damaging the surrounding organs. The stone fragments are then collected in the stone basket which is subsequently removed. Alternatively, the stones are also removed in their intact form using small forceps.

    The surgeon may insert stents to expand the ureteral passage. Stents are flexible, hollow tubes that run from the kidneys to the ureter. They enlarge the ureteral passage to help flush out stone fragments from the body smoothly. Ureteral stents are removed once the stones are completely flushed out of the body. Usually, it takes 10 to 14 days under normal circumstances. Furthermore, the viability of the RIRS procedure has been upgraded by the advancements in medical tools and equipment like wires, ureteral access sheath, and stone containers.

    After the anesthesia is given, the surgeon makes a tiny incision in the flank area (lower back). A thin, flexible nephroscope is inserted through the incision under x-ray guidance to visualize the stones and determine their precise location. Next, a thin needle may be used to access the urine collecting system of the kidney to carefully dilate the route. This is achieved using a guidewire that allows the nephroscope to safely access the part of the kidneys.

    Once the stones are located, the surgeon may choose to either break the stone into smaller pieces or remove it in its intact form using microforceps. In some cases, DJ stenting may be required that allows the stone pieces to flush out through urine. Ureteral stents are thin, hollow tubes that are inserted through the urethral opening to reach the kidneys. They may be kept for about 10-14 days, depending on how long it may take for stones to completely flush out of the body.

    Pristyn Care’s Free Post-Operative Care

    Diet & Lifestyle Consultation

    Post-Surgery Free Follow-Up

    Free Cab Facility

    24*7 Patient Support

    Frequently Asked Questions

    What is the cost of kidney stone treatment in India?

    The cost of kidney stone treatment varies based on the type of procedure being performed, in addition to several other factors. Listed below are some common procedures performed for kidney stone treatment, and their cost:   Percutaneous Nephrolithotomy or PCNL: Rs. 49,000 to Rs. 1,95,000 Extracorporeal Shock Wave Lithotripsy or ESWL: Rs. 14,000 to Rs. 85,000 Retrograde Intrarenal Surgery or RIRS: Rs. 50,000 to Rs. 1,80,000 Ureterorenoscopic Lithotripsy or URSL: Rs. 60,000 to Rs. 1,00,000

    What factors affect the cost of kidney stone treatment in India?

    The cost of kidney stone treatment can differ based on a variety of factors. Most  hospitals consider all these factors before giving you the final quote of treatment. On that note, here are some factors that can cause a difference in the cost of your kidney stone treatment: The city you’re in The hospital you’re getting treated at The type of treatment- URSL, ESWL, RIRS, etc. Cost of diagnostic tests  Consultation charges of the doctor ,etc. 

    Is medical management of kidney stones covered under health insurance or mediclaim policies?

    No. Most insurance providers offer coverage for only surgical treatments for kidney stones, in addition to some other non-surgical procedures. Medical management generally isn’t included in the insurance policy. This is because insurance covers the cost of treatments that are considered ‘medically necessary’. Medical management of kidney stones is generally suggested in less severe conditions, and therefore isn’t covered by most insurers in their policy. But, you can still contact your insurance provider to obtain clarity on this. 

    Does health insurance provide coverage for pre and post-surgery expenses?

    It depends. Mostly, both health insurance and mediclaim policies provide coverage for pre and post-surgery expenses including consultation charges, diagnostic tests, cost of medicines, and so on. However, this is subject to vary based on the terms and conditions of different policy providers. It is advisable to contact your insurance provider to know if they’ll cover these expenses. 

    Does health insurance cover all kidney stone treatments?

    Not necessarily. In general the cost of surgical procedures is covered by insurance providers under health insurance policy and mediclaim, while the cost of medical management of the condition is not covered. But, this is subjective and may vary based on the  terms and conditions of the insurance providers. To obtain clarity, contact your insurance provider. 

    What documents are necessary for the approval of a health insurance claim?

    To initiate the insurance claim process, the patient may be asked to submit the following documents to the insurance provider for authorization:  The patient's health card issued at the time of issuing the Policy (if available) along with the KYC document. The policy number Name of the policyholder Name and address of the insured person. Nature of the Illness/Injury and the treatment/surgery required Name and address of the attending medical practitioner Hospital where treatment/surgery is being performed  First and any subsequent consultation paper/Medical Record since beginning of diagnosis of that treatment/Surgery Admission note and the date of admission The insurance provider will assess all the documents before moving ahead with the process and approving the claim request. 

    Pristyn Care- Offering A Seamless Surgical Experience for the Treatment of Various Diseases All Across Delhi

     

    In the case of external piles, the doctor can diagnose them with a physical inspection. However, in case of internal hemorrhoids, the proctologist will perform a digital examination to insert a gloved, lubricated finger into the rectum to check for abnormal growth. Additionally, to correctly diagnose internal piles, the surgeon may choose a proctoscope, an anoscope, or a sigmoidoscope to examine the lower rectum. Laser Surgical Treatment Laser-assisted surgery for piles is one of the most efficient treatment methods. During the procedure, a focused narrow beam of light is used on hemorrhoid to ablate or shrink it without affecting the surrounding tissues.

    Read More

    Get in Touch

    Tell us about your problems and we'll figure out the best treatment option for you.

    Pristyn Care services are accessible Pan India

    Let's Schedule Your Surgery
    i
    i
    i
    i
    i
    Call Us

    To confirm your details, please enter OTP sent to you on *

    i