Does Critical Illness Insurance Cover Kidney Stones?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Does Critical Illness Insurance Cover Kidney Stones?

No, critical illness coverage typically does not include kidney stones.

Critical illness insurance is designed to provide a lump sum payment if you are diagnosed with a specified illness covered in the policy. Kidney stones, while painful, are generally not considered a critical illness by most insurance providers, as they are often treatable with non-invasive methods.

However, if complications arise that lead to more severe conditions, these may be covered under your policy.

Health insurance, on the other hand, usually covers the treatment of kidney stones. This can include diagnostic tests, hospital stays, procedures to remove or break up the stones, and any necessary follow-up care.

The extent of coverage depends on your specific health insurance plan, including any deductibles, copays, and coinsurance.

Critical Illness Cover vs. Health Insurance for Kidney Stones

FeatureCritical Illness CoverHealth Insurance
Coverage for Kidney StonesTypically not covered unless complications ariseUsually covers treatment and associated costs
Type of BenefitLump sum payment on diagnosis of a covered critical illnessCovers specific healthcare costs associated with treatment
PurposeTo provide financial support during a critical illnessTo cover medical expenses related to illness or injury
Payment MethodOne-time paymentDirect payment to healthcare providers or reimbursement
Dependence on Condition SeverityHigh (covers more severe conditions)Low (covers even minor medical issues)


While critical illness coverage may not directly cover kidney stones unless complications occur, health insurance typically does cover the treatment of kidney stones. It’s important to review your insurance policies to understand the specifics of what is covered. This understanding can help you prepare for any medical needs related to kidney stones and ensure that you are financially covered. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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