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Published on: Mar 29, 2022
2 minute read
By: Second Medic Expert

Kidney Stones Diagnosis, Treatment, Prevention, And Treatment

Kidney stones are one of the most common urinary tract disorders, affecting around 1 in 11 people. Although they can cause excruciating pain, kidney stones are usually harmless and can be treated easily. Kidney stones develop when certain chemicals build up in the urine and form crystals. These crystals can grow into large masses, known as stones. Stones can develop anywhere in the urinary tract, but most commonly occur in the kidneys or bladder.

There are a variety of different treatment options available for kidney stones, depending on the size and location of the stone. Smaller stones may pass on their own without any treatment necessary. Larger stones may need to be broken up with sound waves or surgically removed.

Kidney stones occur when calcium or other minerals build up in the kidney to form a stone-like mass. Stones can range in size from a grain of sand to a pea and may be as large as a golf ball. Most kidney stones eventually pass out of the body on their own without causing permanent damage. However, large kidney stones may cause severe pain and blockage of the urine flow. Some kidney stones require treatment with Surgery, sound waves, or Shock wave lithotripsy (SWL) to break them into smaller pieces that can be passed naturally.

Kidney stones are one of the most common disorders of the urinary tract. They occur when tiny crystals form in the urine and become hard over time. Kidney stones can vary in size from a grain of sand to a golf ball and can cause severe pain. There are several types of kidney stones, but the most common type is made up of calcium oxalate. Other types include uric acid stones, struvite stones, and cystine stones. Kidney stones usually develop when there is an imbalance in the normal substances that make up urine. When these crystals form, they can stick together and create a stone. Dehydration is a major contributing factor to kidney stone formation.

There are several different types of kidney stones, but the most common type is made up of calcium oxalate crystals. Other less common types include uric acid, Struvite, and cystine stones. Treatment for kidney stones depends on the type of stone involved and may involve surgery, medications, or other medical procedures. There are multiple things that can cause kidney stones, including a high intake of certain types of food and beverages, dehydration, and a family history of the condition. The most common type of kidney stone is made up of calcium oxalate crystals, but other substances like uric acid or struvite can also cause stones to form.

Once a stone forms in the kidney, it can travel down the ureter (the tube connecting the kidney to the bladder) and get stuck. Kidney stones often cause no symptoms until they start to move down the ureters (the tubes connecting the kidneys to the bladder). This can cause severe pain in the lower abdomen and groin, as well as generalized abdominal pain and nausea.

They affect men and women of all ages, although they are most common in adults between the ages of 20 and 40. Kidney stones can be extremely painful and can cause serious health complications if left untreated. The good news is that kidney stones can be effectively treated, and in many cases, prevented altogether.

Most kidney stones can be treated with medication or surgery. But you may be able to prevent them by making some changes to your diet and lifestyle. If you’re wondering how to treat kidney stones, the first step is to see a doctor. They will likely order some tests, including a CT scan or an ultrasound, to get a better idea of the size and location of the stone. They will also order a urine test to

There are four types of kidney stones: calcium oxalate, calcium phosphate, uric acid, and struvite. Kidney stones can range in size from a small grain of sand to a large pebble. Most kidney stones pass out of the body without causing any damage. However, if a stone does not pass on its own and instead lodges in the urinary tract (ureter), it can block urine flow and cause pain.

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Lower Premiums for Health Score Achievers: How Preventive Wellness Rewards Healthy Choices

Healthcare costs are rising steadily across India, driven largely by lifestyle-related diseases and late-stage diagnosis. In response, organisations and insurers are shifting focus from reactive treatment to prevention. One of the most effective approaches emerging from this shift is offering lower premiums for health score achievers.

This model aligns personal health responsibility with financial incentives, creating a win–win situation for individuals, employers and insurers.

What Is a Health Score?

A health score is a composite indicator that reflects an individual’s overall health status.

It typically considers:

preventive health checkup results
lifestyle habits such as physical activity and sleep
key biomarkers like blood sugar, cholesterol and blood pressure
body composition indicators

The focus is on risk reduction, not perfection.

Why Health Score–Based Premiums Are Gaining Importance

According to NITI Aayog and EY-FICCI reports, preventive healthcare can reduce long-term medical costs by up to 30–40 percent.

Health score–linked premiums:

reward proactive behaviour
reduce claim frequency
encourage early detection

This shifts healthcare from illness management to health preservation.

The Preventive Healthcare Gap in India

NFHS-5 and ICMR data show:

many chronic diseases remain undiagnosed until advanced stages
preventive screenings are underutilised
lifestyle risks are increasing among working adults

Health score incentives help close this gap.

How Lower Premiums Motivate Behaviour Change

Financial Incentives Drive Consistency

When healthy habits are rewarded financially, individuals are more likely to:

attend regular screenings
improve diet and activity
monitor health metrics

Behaviour change becomes sustainable.

Focus on Improvement, Not Punishment

Modern health score models emphasise:

gradual improvement
personalised targets
achievable milestones

This avoids discouragement and promotes inclusion.

Benefits for Individuals

Reduced Insurance Costs

Lower premiums directly reduce out-of-pocket insurance expenses.

Better Health Awareness

Tracking health scores increases understanding of:

personal risk factors
lifestyle impact
preventive actions

Knowledge leads to better choices.

Early Disease Detection

Regular monitoring identifies:

prediabetes
early hypertension
lipid abnormalities

Early intervention prevents complications.

Benefits for Employers

Lower Healthcare Claims

Preventive health programs reduce:

hospitalisations
long-term treatment costs

This improves corporate insurance sustainability.

Improved Productivity

Healthier employees experience:

fewer sick days
better energy levels
improved focus

Wellbeing translates to performance.

Stronger Wellness Culture

Reward-based programs signal genuine employer commitment to health.

Benefits for Insurers

Health score–based premiums help insurers:

manage risk more accurately
reduce high-cost claims
promote preventive engagement

This supports long-term viability of insurance models.

Role of Preventive Health Checkups

Preventive screenings form the backbone of health scoring.

They help track:

metabolic health
cardiovascular risk
nutritional deficiencies

NITI Aayog identifies screening as the most cost-effective health intervention.

Addressing Privacy and Fairness Concerns

Responsible programs ensure:

data confidentiality
voluntary participation
non-discriminatory design

Transparency builds trust and engagement.

Making Health Scores Inclusive

Inclusive programs:

adjust for age and baseline health
reward progress
offer support for high-risk individuals

Equity is essential for success.

Integration with Digital Health Platforms

Digital tools enable:

real-time health tracking
personalised insights
long-term trend monitoring

This improves engagement and accuracy.

Long-Term Impact on Public Health

Widespread adoption of health score incentives can:

reduce lifestyle disease burden
shift focus to prevention
improve population health outcomes

WHO supports incentive-based preventive health strategies globally.

Challenges and How to Overcome Them

Common challenges include:

low initial engagement
lack of awareness
resistance to change

Solutions involve education, simplicity and continuous support.

Why Lower Premiums Are More Effective Than Penalties

Positive reinforcement:

motivates sustained behaviour change
reduces anxiety
builds trust

Punitive models often discourage participation.

Future of Health Score–Linked Premiums in India

As digital health infrastructure expands, health score–based models are expected to:

become more personalised
integrate AI-driven insights
support nationwide preventive strategies

This marks a shift toward value-based healthcare.

Conclusion

Lower premiums for health score achievers represent a powerful shift toward preventive, value-driven healthcare. By rewarding healthy behaviours, early screening and consistent wellness practices, these programs benefit individuals, employers and insurers alike. Financial incentives aligned with health outcomes encourage long-term behaviour change, reduce disease burden and create a sustainable healthcare ecosystem. In a country facing rising lifestyle diseases, health score–linked premiums are not just an incentive—they are a strategic investment in healthier futures.

References

World Health Organization (WHO) – Preventive Healthcare and Incentive Models
Indian Council of Medical Research (ICMR) – Lifestyle Disease and Prevention
National Family Health Survey (NFHS-5) – Adult Health Indicators
NITI Aayog – Preventive Healthcare and Insurance Reform Reports
EY-FICCI – Corporate Wellness and Healthcare Cost Studies

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