Kidney Stones & Life Insurance

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Kidney Stones & Life InsuranceWhen you have had kidney stones, Life Insurance providers will be interested in the amount of times you have had the condition, frequency of occurrences, treatments undertaken and if there are any linked secondary conditions. Where kidney stones have passed naturally, have been a one-off instance and there are no additional contributory conditions it is likely that you could secure Life Insurance at standard terms. If you suffer from kidney stones frequently, have required strong medication or surgery, or have related conditions contributing to kidney stone development the insurer may wish to speak with your GP to establish your present state of health. In this circumstance it is possible that the insurer may decide to offer you Life Insurance at standard terms or special terms which would involve an increase to the base premium.


When you apply for Critical Illness Cover, kidney stones should be clearly detailed within your application including information regarding the amount of instances of the condition, secondary causes, treatments and medication used. Where kidney stones have been infrequent with mild symptoms and have required little treatment, you may be able to secure Critical Illness Cover at standard rates. If you have had multiple kidney stones, required strong treatment and/or medication, or have an additional illness that is contributing to the kidney stone production, your policy may be accepted at special terms. This could include a premium increase or an exclusion on the policy for any claim linked to the renal system.


Income Protection for those with kidney stones can be available at standard terms if they have not caused any absence from work, presented mild symptoms, required little treatment and occurred infrequently. Where kidney stones regularly form and are linked to a secondary illness it is probable that the insurer will want to speak with your GP to establish your general state of health. Following review of a medical report your application may then be accepted at standard terms, special terms (premium increase) or declined.


What is Kidney Stones

Kidney stones develop when waste products in the renal system are not removed from the body correctly and small deposits start to build up within the kidneys, ureter or bladder. The stones can come in many shapes and sizes are can be made up of a number of different materials: calcium, struvite, uric acid and cystine. There are no specific causes for kidney stones but there are a number of factors that can increase your likelihood of developing them including a familial predisposition, dietary choices, previous kidney and urinary infections, intestinal bypass surgery and living/working in a hot climate.

Also known as: Nephrolithiasis

Linked with: Renal colic, urinary tract infection (UTI), kidney infection, Crohn’s disease, sarcoidosis, overactive parathyroid gland, sepsis, gout

Possible symptoms: Abdominal pain, sharp pain while urinating, nausea, blood in the urine

Some potential problems experienced by individuals who have kidney stones include:

  • Inability to get comfortable
  • Dietary restrictions
  • Cyclizine lactate
  • Diamorphine
  • Diclofenac sodium (Voltarol)
  • Domperidone
  • Extracorporeal shock wave lithotripsy (ESWL)
  • Metoclopramide
  • Percutaneous nephrolithotomy (PCNL)
  • Prochlorperazine maleate
  • Tramadol hydrochloride
  • Ureteroscopy

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You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Kidney Stones & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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