Guide to Choose Health Insurance with Dengue Treatment Cover

India has been witnessing a rampant increase in cases of dengue. In 2018, nearly 90,000 cases of dengue were reported in the country. Dengue is transmitted by the bite of infected Aedes Aegypti mosquito. Earlier, the disease mostly spread during monsoon, but in some parts of India it is transmitted through the year. In fact, it is not just commonly found in India, but dengue is one of the fastest growing vector-borne diseases in the world. Governments of different countries even take steps to issue travel advisories for those visiting India, Thailand, Bali, and places in South Americas where dengue is prevalent in high numbers.

Even as the Indian government is conducting regular fumigation drives to eradicate mosquitoes, as well as organizing awareness campaigns on dengue, our country is still witnessing thousands of dengue cases a year. Of course, while it important to follow these preventive measures, we still need to have measures in places that need to be followed after one has been unfortunate enough to contract the illness. Here, the role of a special health insurance cover for dengue comes into the picture. To understand the importance of a medical insurance plan for dengue, let’s begin by looking at the cost of treating dengue.

Treatment Costs For Dengue

Patients suspected of having contracted the virus are required to take a few diagnostic tests. If the condition of the patient is found to be severe, they may also have to be admitted to a hospital for platelet transfusion which can cost a lot of money. The patient may also lose their earnings while they are recuperating, which can add to the financial burden. Even an ailment such as dengue can set back someone by thousands of rupees. Wouldn’t it be helpful if one had a health insurance plan for dengue? A special health insurance cover for dengue can help patients focus on their recovery instead of worrying about the financial strain it can put on them. In fact, such special health insurance covers have been created to help people from losing a considerable part of their savings to one event.

How will a Health Insurance Cover for Dengue Help?

After one has been diagnosed with dengue, the patient is either treated at home, or, in severe cases, admitted to a hospital. If the disease is found to be severe in nature, a patient might be required to stay in the hospital for a couple of weeks. In such instances, not only are they spending money on their treatment but also losing out on their earnings as they are unable to work. Here, the health insurance cover for dengue will come to your rescue. The dengue health insurance plan will not only cover your pre- and post-hospitalization expenses, but also cover the expenses you incur for receiving treatment at home. Since, majority of the dengue cases are treated at home, your dengue health insurance cover will be able to serve you well.

Should I Buy A Dengue Insurance Cover If I Already Have A Health Insurance Policy?

While your health insurance policy might cover the hospitalization expenses for dengue, it might not be as comprehensive as a special health insurance cover for dengue which will not only cover pre- and post-hospitalization expenses, but also pay for homecare and OPD expenses. Here are some of the benefits of buying a special health insurance cover for dengue.

I. Inpatient benefits

• Pays for hospitalization that exceeds 24 hours
• Covers pre- and post-hospitalization expenses

II. Homecare benefits

• Pays for treatment received at home

III. OPD benefits

• Covers out patient department expenses including Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatments

Homecare and OPD benefits provided by the special health insurance cover for dengue can prove to be advantageous in cases of less severity where the patient is not required to be hospitalized. If you have the health insurance cover for dengue, you will receive good care and treatment even at home as they don’t have to worry about increasing medical expenses.

Moreover, if you have the special health insurance cover for dengue, you won’t make have to make any dengue-related claims on your health insurance policy, and thus accumulate the No Claim Bonus (NCB) discount offered by your health insurance company. The special health insurance cover for dengue is available at a nominal price too, which is an added advantage.

Who Can Buy The Dengue Health Insurance Cover?

Usually the dengue health insurance cover can be purchased by anyone irrespective of age. The only condition that is you should not be currently suffering from dengue. While purchasing the dengue health insurance cover, you might not be required to undertake any tests as well.

When Is The Right Time To Buy The Health Insurance Cover for Dengue?

The right time to buy a health insurance cover for dengue is right now. If you are convinced about purchasing the health insurance plan, you should do it without any delay as illnesses don’t come with a warning. Once you have contracted the disease, you will not be able to buy the health insurance cover.

It is important to follow all steps necessary to keep dengue at bay, and buying a health insurance plan for dengue is only going to help your cause. Therefore, take this decision to buy the medical insurance cover for dengue to protect you and loved ones today.