Dengue Health Insurance: A Comprehensive Guide

Come monsoon and vector-borne diseases create a scare across the country. Diseases such as dengue begin to spread rapidly due to incessant rain. Non-stop rains create water-logging, which is the ideal environment for the breeding of Aedes mosquitoes who carries the dengue virus and infects humans with it. While some people may recover from the dengue fever or breakbone fever with mild symptoms, the disease can be life-threatening for others.

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    Symptoms of Dengue Fever

    There are several symptoms that can indicate if a person is suffering from dengue fever. Usually, the incubation period ranges from 4 to 7 days but in some cases, it may go up to 14 days. Given below are the common symptoms of dengue fever:

    • Severe headache
    • Sudden high fever
    • Eye pain
    • Nausea
    • Joint pain or muscle pain
    • Constant vomiting
    • Fatigue
    • Body rash
    • Bleed of mouth, nose or gums
    • Weak pulse
    • Disorientation

    The dengue fever can be fatal for humans as the blood platelet count reduces drastically when a person gets infected with the dengue virus. In such cases, the treatment may involve hospitalization that may lead to a major financial burden. Fortunately, health insurance providers in India offer dengue health insurance policy for people infected with dengue virus.

    Dengue Health Insurance

    Dengue health insurance is a type of health insurance policy in India that provides coverage for the medical expenses incurred on the treatment of dengue fever. It provides financial assistance to the insured allowing them to pay their medical bills arising out of the treatment of dengue. It is a critical illness insurance policy as dengue cover is not available under regular health insurance plans.

    What is Covered Under Dengue Health Insurance?

    A dengue health insurance policy provides coverage for the following expenses:

    • In-patient hospitalization expenses, inclusive of room rent, transfusion charges, ICU charges, etc.
    • Pre-hospitalization and post-hospitalization expenses are covered for 15 days.
    • Coverage for diagnostic tests incurred before or during hospitalization.
    • Doctor consultation fees incurred pre, post or during hospitalization.
    • Pharmacy expenses incurred pre, post or during hospitalization.
    • Outpatient expenses, inclusive of OPD consultation & treatment expenses, charges for diagnostic treatment, pharmacy expenses and home nursing.

    What is not Covered Under Dengue Health Insurance?

    The following expenses are not covered under a dengue health insurance policy in India:

    • Treatment cost of any disease other than dengue
    • A initial waiting period of 15 or 30 days may apply
    • Cost of any treatment or medicine that is not required to cure dengue fever
    • Treatment taken by unauthorized people
    • Cost of dengue treatment taken outside India

    Summing It Up

    Dengue fever is a menace that Indians face every year. Given the life-threatening risk that the disease comes with, it is important to take all possible steps to stay safe from the dengue virus. Moreover, if you stay in a place which is a hotspot for dengue fever, it is advisable to buy a dengue health insurance policy in India to afford any medical expenses arising out of the treatment of this viral disease.

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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