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Kidney Stones life insurance

Kidney stones are a common condition, with 1 in 10 people suffering with them in their life time.* Though they aren’t life threatening they can be very painful and even lead to further problems with your kidneys later.

If you have ever had issues with your kidneys, it is understandable to worry this will cause big problems when trying to get life insurance. It is understandable to think that cover wont be accessible or will be very expensive, but this doesn’t have to be the case.

As the UK’s #1 rated pre-existing conditions life insurance experts, we have helped hundreds of people with kidney conditions find the cover they need.

Protection for your home and family should be accessible to everyone no matter their health. We work hard to help you find the cover you need – without having to pay far too much for it.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

YES – you should be able to get cover if you have previously had kidney stones, and an existing policy will still cover you if you develop them later.

Life insurance is the best way to give yourself peace of mind that your family will receive financial support, when you are no longer around to support them yourself.

We know it can be confusing to know where to look for the best cover, particularly if you have had health problems. Our friendly insurance experts can offer FREE advice on which policies and providers will work well for your cover based on your medical history.

Does life insurance pay out for kidney stones?

YES – standard life insurance policies will not refuse to pay out due to pre-existing conditions, so if you pass away due to a problem with your kidneys your policy will still pay out.

Your loved ones will receive a cash lump sum that can be used to support them during an extremely hard time. Life insurance pay outs can be used to pay for expenses such as:

  • Funeral costs
  • Repaying debts
  • Mortgage or rent payments
  • Utility bills
  • School fees
  • And more…

Life insurance applications will usually follow similar processes regardless of which insurer you are applying to. Insurance providers will ask questions about your age, height, weight, smoker status and more.

If you have had kidney stones, they may also ask questions such as:

  • When you had kidney stones
  • How severe your symptoms were
  • Did you have surgery to treat (remove) kidney stones?
  • Are your kidney stones recurring or a one off?
  • If you had medication or treatment
  • If you had any complications or related medical conditions

You need to be as honest as you can when answering these questions, as not mentioning something that could lead to a claim later will make your cover invalid.

YES – kidney stones are not a life limiting condition, so you should be able to get life insurance. If you have had mild kidney stones and have only had them once or twice, you could even find your cover will cost far less than you thought.

Recurring kidney stones or complications could cause additional medical questioning during the application process. However, extra questions do not automatically mean you will be declined or must pay much higher prices.

Can I get critical illness cover with kidney stones?

YES – you should still be able to get critical illness cover with minimal issues if you have had kidney stones. Occasionally, insurers may want to see a GP report before approving cover, if your symptoms are severe or recurring.

Critical illness cover provides a tax-free cash lump sum if you are diagnosed with a serious illness covered by your policy. This can be very helped and help you to cover bills if you cannot work as normal. You can use your pay out to pay for expenses such as:

  • Paying mortgage or rent payments

  • Cost of living for a period of time

  • Adjustments to the home

  • Treatment to help your condition

Common reasons to claim on critical illness cover include:

How much does kidney stones life insurance cost?

There are many factors that can affect how much you will pay for your life insurance policy.

When applying you will be asked questions about your general health and lifestyle such as your age, height and weight. Other things that will affect the cost of your policy include:

  • The insurance provider you choose
  • Your general health and lifestyle
  • The type of policy you need e.g. family life insurance, mortgage life insurance, guaranteed life insurance
  • The length of cover needed (whole of life vs term life insurance)
  • The amount of cover needed (£s)

If your kidney stones aren’t recurring, the symptoms are mild or you have managed to pass the stones without surgery, you will often be able to get cover at standard prices.

If you get attacks of symptoms frequently or have needed surgery, this could affect the price of your policy.

Certain insurers will be better for covering people with kidney issues. Our EXPERT advisors can help you make sure you don’t waste time applying to providers who will decline your cover or make you pay more than you should.

The best way to save money on your life insurance is always to compare what policies are on offer across multiple providers. Usually, one or two will have slightly lower prices for the level of cover you need.

Our insurance specialist can compare available policies quickly and easily, to save you the hassle of searching through literally thousands of policies yourself.

Other way you could lower the cost of your kidney stones life insurance include:

  • Changing the type of policy you have (whole life vs term cover for example)
  • Reduce the amount of cover (£s) if you can
  • Reduce the term of cover (how long you are covered for)

Kidney stones can occur in either one or both kidneys and can happen once or repeatedly. They can cause severe pain if the stones are large and can cause kidney infections or problems with kidney function if not properly treated.

There are some medical conditions that can be linked to kidney stones including:

What are kidney stones?Kidney stones are small objects (stones) that form in your urine. This is due to excess chemicals such as calcium or uric acid being present.

Stones can form due to specific medications, family history, diet and even simple things like not drinking enough fluids can increase your risk of kidney stones.
What are the symptoms of kidney stones?Symptoms of severe kidney stones include:

Pain in the side of the abdomen or groin
Nausea and/or vomiting
Severe pain (that passes and comes back)
High temperature
Blood in the urine
Urinary tract infection (UTI)
What are the 4 types of kidney stone?There are 4 types of kidney stones that can develop:

Calcium stones (most common)
Uric acid stones
Struvite stones
Cystine stones

We are proud to have helped protect thousands of families across the UK, finding great life cover, critical illness insurance and income protection at the BEST possible prices.

Our EXPERT advisors can offer FREE, FRIENDLY advice for people with kidney conditions including kidney stones about which providers and policies could be a good fit for you.

*accord to the NHS

Useful resources

US National Kidney Foundation – Kidney Stones

Healthline – Kidney Stones

Mayo Clinic – Kidney Stones

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