Are Kidney Stone Treatment Options Available for Both Kidneys Under the TATA AIG Health Insurance Card?

Dear Paras Kumar ji,

Having kidney stones in both kidneys (left and right) needs proper medical attention. We recommend consulting a urologist (kidney stone specialist) as soon as possible. The treatment will depend on the size, location and number of stones, along with your symptoms and kidney function.

What should you do next?

• Consult a urologist: The doctor will check both kidneys and decide the right treatment based on your reports.
• Get the required tests: The doctor may recommend an ultrasound or CT scan, blood tests to check kidney function and urine tests to look for infection.
• Understand the treatment options: Small stones may pass naturally with medicines prescribed by the doctor. Larger stones or stones blocking the flow of urine may need treatment such as ESWL (shock wave treatment), URS/RIRS (removal of stones using a thin instrument) or PCNL (removal of larger stones through a small opening in the back).
• Treatment for both kidneys: The doctor will decide whether to treat both sides together or one side at a time, depending on the stone size, blockage and kidney condition.

Important: Please visit the emergency department immediately if you have fever with chills, severe pain, repeated vomiting, difficulty passing urine or very little urine. These symptoms may indicate an infection or blockage and should not be ignored.

Can you use your Tata AIG health insurance card?

Yes, kidney stone treatment may be covered under your Tata AIG health insurance policy. However, cashless treatment depends on your specific policy, waiting period, hospital network and approval from the insurance company.

• Check the waiting period: Some Tata AIG policies have a specific waiting period for kidney stone treatment. It may be around 2 years, but the exact period depends on your policy. If the stones were present before you purchased the policy, the pre-existing disease waiting period may also apply.
• Check the hospital: Visit the Tata AIG Cashless Network Hospital Locator to find a hospital where you can request cashless treatment.
• Get cashless approval: Visit the hospital's insurance desk with your Tata AIG health card, identity proof and medical reports. The hospital will send a cashless treatment request to Tata AIG for approval. For planned treatment, contact the hospital and insurer in advance. For emergency admission, inform the insurer as soon as possible within the policy's required time.
• OPD and hospital treatment: Hospitalisation and eligible day-care procedures may be covered as per your policy. Regular doctor consultations and medicines without hospitalisation may not be covered unless your policy includes OPD benefits.

Note: If your Tata AIG card is provided by your employer, the waiting period and coverage rules may be different from an individual health insurance policy. Please confirm the exact benefits with Tata AIG before treatment.

What documents should you keep ready?

• Tata AIG health insurance card or policy details
• Aadhaar card or another valid photo ID
• Ultrasound or CT scan reports
• Blood and urine test reports, if available
• Doctor's prescription and treatment advice
• Previous medical records, if any

How can we help you find a suitable hospital and doctor?

Please share your city and state so we can help connect you with suitable urologists and hospitals for kidney stone treatment. You can also share the stone size mentioned in your ultrasound or CT scan report and tell us whether you are experiencing pain, fever or difficulty passing urine.

Wishing you and your family good health always.
Warm regards,
Team HexaHealth