Treatment delays could be dangerous for vector-borne diseases spread through mosquitoes, similar to Dengue and malaria. The treatment can’t only be lengthy but in addition financially stressful, and might cost you anywhere between Rs 50,000 to Rs 100,000.
On this National Dengue Day, industry experts say the way it is crucial to treat the infection on time and to all the time stay secure with financial coverage for such sudden emergencies.
There are numerous insurance firms that provide a dengue-related specific comprehensive plan that keeps you secure in case of hospitalisation.
What is roofed under dengue medical insurance?
These are a kind of medical insurance that gives coverage for the medical expenses incurred within the treatment of any vector-borne diseases, depending on the policy. These are frequently critical illness plans as dengue cover is mostly not covered under an everyday medical insurance plan.
As an illustration, Dengue Cover by Bajaj Finserv offers coverage against vector-borne diseases like Dengue and Malaria for expenses like Pre-hospitalization, Hospitalization, Medication, Doctor’s fee, etc. However, Future Generali’s Future Vector plan covers 7 vector-borne diseases including Dengue, Malaria, Japanese Encephalitis, Kala-azar, Zika virus, Chikungunya, and Lymphatic Filariasis. The insurance policy provides different sum insured options, starting from Rs 10,000 to Rs75,000 with a minimum Policy Term of 1 yr and a maximum Policy Term of three years.
A dengue medical insurance policy often covers pre-hospitalization and post-hospitalization expenses for 15 days. In-patient hospitalization expenses, inclusive of room rent, ICU charges, transfusion charges, etc. Coverage for diagnostic tests incurred before or during hospitalization, together with doctor consultation fees are incurred pre, post or during hospitalization. Pharmacy expenses, outpatient expenses, charges for diagnostic treatment, inclusive of OPD consultation and treatment expenses, pharmacy expenses and residential nursing.
What just isn’t covered under the policy?
There are particular expenses that usually are not covered under a dengue medical insurance policy in India. Resembling;
– The treatment cost of any disease aside from vector-borne diseases, depending on the kind of policy.
– An initial waiting period of 15 or 30 days is perhaps applied.
– Cost of any treatment or medicine that just isn’t 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 yr. Resulting from the life-threatening risk the disease brings, industry experts say it’s important to take precautions to remain secure from the dengue virus. Moreover, for people staying in places which is a hotspot for vector-borne diseases, it’s advisable to purchase a dengue specific insurance policy to afford any medical costs that may arise out of the treatment of this viral disease.