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icon Health Insurance icon Diseases icon Kidney Stones

Kidney Stones

Kidney stones affect around 1 in 10 people globally, with rising cases linked to dehydration and lifestyle factors (Source: Research Current Kidney Stone Disease). They can cause severe pain, urinary problems, and repeated episodes if not managed properly. This page covers what kidney stones are, why they form, symptoms, treatment options, and prevention tips.

Kidney Stones

What Are Kidney Stones?

Kidney stones are hard, crystal-like deposits made of minerals and salts that form in the kidneys when the urine becomes too concentrated. They can vary in size, from tiny grains that pass unnoticed to larger stones that cause severe pain while moving through the urinary tract. Kidney stones commonly develop due to low water intake, certain dietary habits, or underlying medical conditions. If not treated in time, they may lead to infections, urinary blockage, or repeated stone formation.

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Types of Kidney Stones

Kidney stones are classified based on the substance they are made of.

1. Calcium stones

The most common type, usually formed from calcium oxalate due to diet or dehydration.

2. Uric acid stones

Develop when urine is too acidic, often linked to high protein intake or gout.

3. Struvite stones

Form as a result of urinary tract infections and can grow quickly in size.

4. Cystine stones

Rare stones caused by a genetic condition that leads to excess cystine in urine.

How Often Do Kidney Stones Occur?

Kidney stones are fairly common, affecting about 10–12% of people at least once in their lifetime. Men are more likely to develop kidney stones than women, and the risk increases with age, dehydration, and lifestyle factors. Once a person has had a kidney stone, the chances of recurrence are also high.

Common Causes of Kidney Stones

Kidney stones usually form when urine becomes concentrated, allowing minerals to crystallise.

  • Low water intake: Not drinking enough fluids concentrates urine and promotes stone formation

  • Diet high in salt or protein: Increases calcium and uric acid levels in urine

  • Excess oxalate-rich foods: Foods like spinach, nuts, and chocolate can raise stone risk

  • Family history: Genetics can increase the likelihood of developing stones

  • Certain medical conditions: Conditions such as gout, obesity, or digestive disorders can increase risk

Formation of Kidney Stones

Kidney stones form when urine becomes too concentrated, allowing minerals like calcium, oxalate, or uric acid to crystallise. Over time, these crystals stick together and grow into hard stones inside the kidneys. Low fluid intake, certain diets, and metabolic imbalances increase the chances of this process.

Symptoms of Kidney Stones

Kidney stones usually cause symptoms when they move within the urinary tract.

  • Severe pain in the lower back, side, or abdomen

  • Pain or burning sensation while urinating

  • Blood in urine causing pink, red, or brown colour

  • Nausea or vomiting due to intense pain

  • Frequent or urgent need to urinate

Diagnosis of Kidney Stone

Kidney stones are diagnosed through a careful evaluation of symptoms, medical history, and diagnostic tests to confirm their presence and type.

1. Urine tests

Help detect blood, infection, and high levels of minerals that contribute to stone formation

2. Blood tests

Used to check calcium, uric acid, and kidney function

3. Imaging tests

Ultrasound, X-ray, or CT scan are used to identify the size, location, and number of stones

4. Stone analysis

If the stone is passed naturally, it may be analysed to determine its composition and guide prevention strategies

Kidney Stones Treatment

Kidney stone treatment depends on the stone’s size, type, location, and the severity of symptoms.

  • Increased fluid intake

  • Patients are advised to drink 2.5–3 litres of water daily to dilute urine, which helps small stones pass naturally and prevents new stones from forming.

  • Medications

  • Pain relievers like NSAIDs control severe discomfort, while alpha blockers help relax the ureter, making it easier for stones to pass; other medicines may be prescribed to reduce calcium or uric acid levels based on stone type.

  • Shock wave lithotripsy

  • High-energy sound waves are directed at the stone from outside the body to break it into tiny fragments that can pass through urine over time; this is commonly used for medium-sized stones.

  • Ureteroscopy

  • A thin, flexible scope is inserted through the urinary tract to directly locate the stone, which is then removed or broken using laser energy; this method is effective for stones stuck in the ureter.

  • Percutaneous nephrolithotomy

  • This minimally invasive surgery involves making a small incision in the back to remove very large or complex kidney stones and is usually recommended when other treatments fail.

Prevention of Kidney Stones

Preventing kidney stones focuses on reducing the factors that cause minerals to crystallise in urine.

  • Drink enough water

  • Consuming 2.5–3 litres of fluids daily keeps urine diluted, which helps prevent minerals from sticking together and forming stones.

  • Limit salt intake

  • High sodium levels increase calcium in urine, raising the risk of calcium stone formation; reducing processed and salty foods is recommended.

  • Follow a balanced diet

  • Limiting excess animal protein and oxalate-rich foods while maintaining adequate dietary calcium helps lower stone risk.

  • Maintain a healthy weight

  • Obesity and metabolic disorders can alter urine composition, increasing the likelihood of stone formation.

  • Take prescribed medications if needed

  • Doctors may recommend medicines to control calcium, uric acid, or cystine levels in people with recurrent kidney stones

    .

Role of Health Insurance in Kidney Stone Management

Health insurance plays an important role in managing kidney stone treatment, as the condition can require hospitalisation, scans, medications, or surgical procedures. With rising medical costs, having health insurance helps cover expenses related to diagnosis, treatment, and post-procedure care. It also provides access to cashless treatment at network hospitals, reducing financial stress during emergencies. Overall, health insurance ensures timely care for kidney stones without putting a strain on savings.

Health Insurance Plans for Kidney Failure

Here are some health insurance plans that provide comprehensive coverage and financial support for kidney failure treatment.

Name of the Plan Best Features
Aditya Birla Activ Assure Diamond
  • An affordable yet comprehensive health insurance plan for you and family
  • 586 day care procedures are covered
  • Cashless claim service at over 7,000 network hospitals
Royal Sundaram Lifeline Health Insurance
  • An indemnity health insurance plan that offers a wide range of benefits
  • Get a reload of sum insured at no extra charges
  • No limit or capping on room rent
  • Available as individual and family floater basis
HDFC Ergo My:Optima Secure Health Insurance
  • With the Secure benefit you can get double the coverage from first day of policy purchase
  • Get a 100% Restore Benefit in case of complete or partial claim
  • Cashless network of over 13,000 hospitals
ICICI Lombard Complete Health Insurance Policy
  • Offers a comprehensive health care coverage
  • No need to opt for a co-payment option
  • Short waiting period of 2 years for pre-existing diseases

Disclaimer: This information is for general awareness and informational purposes only and should not be considered medical advice. Symptoms, causes, and treatments may vary from person to person. Readers are advised to consult a qualified healthcare professional for accurate diagnosis, treatment, and personalised medical guidance. The content is not intended to replace professional medical consultation, diagnosis, or treatment.

Frequently Asked Questions

  • Q. Why do kidney stones form?

    • Kidney stones form when urine becomes concentrated, allowing minerals like calcium, oxalate, or uric acid to crystallise and stick together.

  • Q. Who can get kidney stones?

    • Anyone can develop kidney stones, but the risk is higher in people with low water intake, unhealthy diets, family history, obesity, or certain medical conditions.

  • Q. Are kidney stones painful?

    • Yes, kidney stones can cause severe pain, especially when they move through the urinary tract, often accompanied by nausea or burning during urination.

  • Q. How are kidney stones detected?

    • They are detected using urine tests, blood tests, and imaging scans such as ultrasound, X-ray, or CT scan.

  • Q. Do kidney stones always need surgery?

    • No, small stones often pass naturally with fluids and medication; surgery is needed only for larger stones or complications.

  • Q. Is there a waiting period for kidney stone treatment under a health policy?

    • Yes, most health insurance plans have a waiting period, usually between 2 and 4 years, for kidney stone-related treatments, depending on the insurer.

  • Q. Does a health insurance plan cover all sorts of kidney stone treatments?

    • Coverage generally includes hospitalisation, surgery, and procedures, but terms vary by policy, so it is important to check inclusions and exclusions.

  • Q. Is it possible to receive cashless treatment for kidney stone surgery?

    • Yes, cashless treatment is available if the procedure is done at a network hospital of the insurance provider.

  • Q. Is a kidney stone a pre-existing condition?

    • Yes, if diagnosed before purchasing the policy, kidney stones are considered a pre-existing condition and are subject to a waiting period.

  • Q. What size of kidney stone requires surgery?

    • Stones larger than 6–7 mm or those causing blockage, infection, or severe pain usually require medical procedures or surgery.

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