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.
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.
✅ 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
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!