Treatment delays can be dangerous for vector-borne diseases transmitted by mosquitoes such as dengue and malaria. The treatment is not only lengthy, but also financially stressful and can cost you anywhere from Rs 50,000 to Rs 100,000.
On this National Dengue Day, industry experts say it’s important to know how to treat infections in a timely manner and to always be safe with financial coverage for such emergencies.
There are various insurance companies that offer specific comprehensive dengue-related plans that keep you safe in case of hospitalization.
What is covered by dengue health insurance?
These are a type of health insurance that provides coverage for the cost of treatment of any vector-borne disease depending on the policy. These are usually serious illness plans because dengue cover is not usually covered by a regular health insurance plan.
Bajaj Finserv’s Dengue Cover, for example, provides coverage against vector-borne diseases such as dengue and malaria, such as hospitalization, hospitalization, medication, doctor’s fees, etc. On the other hand, Future General’s Future Vector Plan covers 7 vector-burn. Diseases including dengue, malaria, Japanese encephalitis, kala-azar, Zika virus, chikungunya and lymphatic filariasis. The insurance policy offers a variety of insured options ranging from Rs. 10,000 to Rs. 75,000 with a minimum policy term of 1 year and a maximum policy term of 3 years.
A dengue health insurance policy usually covers pre-hospital and post-hospitalization costs for 15 days. In-patient hospital admission costs, including room rent, ICU charges, transfusion charges, etc. Coverage for diagnostic tests before or during hospitalization, including doctor’s consultation fees, is spent before, during or after hospitalization. Pharmacy costs, outpatient costs, charges for diagnostic treatment, OPD counseling and treatment costs, pharmacy costs and home nursing.
What is not under the policy?
There are some costs that are not covered by the dengue health insurance policy in India. E.g.
– Cost of treatment of any disease other than vector-borne disease depending on the type of policy.
– An initial waiting period of 15 or 30 days may be applied.
– The cost of any treatment or medicine that is not required to cure the insured vector-borne disease.
– Cost of dengue treatment / vector-borne diseases taken outside India depending on the policy.
Dengue fever is a threat that Indians face every year. Because the disease is life-threatening, industry experts say it is important to take precautions to stay safe from the dengue virus. In addition, for people living in a hotspot for vector-borne diseases, it is advisable to purchase a dengue-specific insurance policy to cover any medical costs arising from the treatment of this viral disease.