Delhi witnessed its first flood in 45 years due to incessant rains this year. River Yamuna started flowing above the danger mark, flooding several prominent places, including Raj Ghat. That’s not all! The floodwaters have also increased dengue and malaria cases in Delhi, making health insurance necessary.
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As per the Municipal Corporation of Delhi (MCD), more than 187 cases of dengue and 60 cases of malaria have been recorded in the city as of July 22, 2023. In fact, the dengue numbers are the highest this year since 2018. The city mayor has also suggested a possibility of a further surge in the cases due to floods.
Low-lying areas of Delhi were flooded for more than a week in Delhi forcing several people out of their homes. While the stress and trauma from the flooding have impacted their immunity system, the stagnant water also became the perfect breeding ground for mosquitoes that cause diseases like dengue and malaria. Even though the floodwaters have receded, the increased population of mosquitoes pose a higher risk of contracting water-borne diseases like dengue and malaria.
Often, people with severe dengue or malaria require hospitalization. In some cases, ICU admission may also be necessary. At this point, obtaining quality treatment for these water-borne diseases may come at a hefty price. Health insurance is the only way to protect your hard-earned money without compromising your treatment.
Take a look at the reasons why health insurance is a must for Delhiites amongst the rising dengue and malaria cases in Delhi:
Water-borne diseases like dengue and malaria can be expensive to treat as they may require doctor consultations, diagnostic tests and medication. Hospitalization may be necessary for severe conditions, which can burn a hole in your pockets. With health insurance, you don’t have to worry about paying these medical bills, as the onus will fall on your insurance company. You can also choose to buy a customized health plan for vector-borne diseases available with multiple insurers.
For more details, read Health Insurance to Cover Vector-borne Diseases
Availing the best quality medical treatment for dengue and malaria becomes accessible if you have a health insurance policy. It allows you to get admitted to the best hospital in your neighbourhood no matter the cost, as your insurer will take care of hospital bills.
Health insurance allows you to avail cashless hospitalization for dengue or malaria at any of the network hospitals of your insurance company. Your insurer will take care of the hospital bills while you can focus entirely on your recovery. Today, all health insurance providers in India offer cashless hospitalization benefits nationwide.
Unlike popular belief, health insurance plans not only cover hospitalization expenses but also pre-hospitalization and post-hospitalization expenses. This means your insurance company will pay for the medical expenses incurred before getting hospitalized for dengue/malaria and after getting discharged. These include the cost of doctor consultations, blood tests for dengue/malaria and medicines, amongst others.
However, the coverage for pre and post-hospitalization expenses are limited to 30/60/90 days before hospitalization and 60/90/120/180 days after discharge, depending on your policy terms and conditions.
People also read: What are Pre & Post Hospitalization Expenses in Health Insurance?
One of the best parts about buying health insurance is that it offers medical coverage for individuals and families. This comes in handy if more than one member of your family suffers from dengue or malaria. With family health insurance, you can raise a claim with your insurer for the treatment expenses of all the insured family members suffering from these vector-borne diseases.
Here are a few tips to prevent dengue and malaria:
Dengue and malaria are seasonal diseases that witness a surge around monsoon. As these diseases are life-threatening and require hospitalization in severe cases, investing in a health insurance policy is a wise decision. Make sure to compare different plans and coverage benefits to find a health plan that offers comprehensive coverage against vector-borne diseases.
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