Hernia and Kidney Stone: Does Nivabupa Insurance Cover Cashless Treatment?

Dear Bhargava Ji,

Thank you for reaching out. Based on your message, we understand that both hernia and kidney stones have been detected via a contrast CT scan, and you’re covered under Niva Bupa health insurance.

Will Your Insurance Cover the Kidney Stone and Hernia Treatment?

Yes, Niva Bupa health insurance generally covers both hernia and kidney stone treatments, including surgical procedures, under cashless hospitalisation, provided:

• The hospital is empanelled with Niva Bupa for cashless claims

• You have completed the waiting period (especially for hernia, which is often categorised under specific waiting clause for pre-existing or elective surgeries)

• The doctor recommends surgery or hospitalisation as medically necessary

• You inform the insurer or TPA well in advance for pre-authorisation (for planned surgery)

HexaHealth can help you check all of this on your behalf.

Next Steps & Callback Arranged

✅ We are arranging a call back from our Care Team at the earliest to:

• Review your reports and understand your condition better

• Check hospital options near you in Bangalore for cashless treatment

• Assist with insurance pre-approval, paperwork, and coordination with Niva Bupa

• Explain all costs and guide you on zero-cost EMI or other financial options if needed

How HexaHealth Can Help You?

• Free expert consultations to review your diagnosis and treatment plan

• Tie-ups with top hospitals in Bangalore (for both laparoscopic hernia repair and kidney stone removal)

• Hassle-free cashless insurance support

• Option to get a second opinion if needed

We’ll be in touch shortly. In the meantime, please keep your:

• Insurance card/details

• CT scan report

• Any consultation prescriptions ready

Wishing you a smooth and fast recovery!