The coronavirus pandemic is not even completely gone yet, dengue has knocked. Come monsoon and vector-borne disease creates a panic across the country. Disease such as dengue has started spreading rapidly in India. While some people may recover from dengue fever with mild symptoms, for others the disease can be life-threatening. So, having Dengue Health Insurance is a healthy step.
Let’s unearth what dengue is, what its common symptoms are and how a health insurance plan helps you in recovering from this seasonal yet deadly disease.
Dengue
Dengue is a viral ailment, caused by the Aedes aegypti mosquito tropical locations. Tropical locations mean the place where the temperature is higher and is ideal for the mosquito. In some cases, a patient with dengue fever requires doctor’s visits, hospitalization, multiple blood tests and urgent healthcare. The treatment can be very expensive. This is where a health insurance policy comes into the picture.
Common Symptoms of Dengue
- Severe Headaches
- High fever
- Vomiting and nausea
- Disorientation
- Muscle and joint aches
- Low pulse rate
- Internal bleeding
- Eye pain
- Body rash and fatigue
Dengue fever can be fatal as the blood platelet count reduces to an alarming level in case of dengue virus infection. Sometimes, heavy bleeding leads to other serious health problems. This makes Dengue very harmful.
Dengue Health Insurance
To eliminate the financial burden on people’s shoulder, many health insurance companies in India have introduced Dengue Health Insurance in India that provides coverage for medical costs incurred on the treatment. A comprehensive plan offers financial support that allows the insured to pay their hospital bills.
Dengue Health Insurance: What is Covered Under It
A Dengue Health insurance Policy insures you and your family medical expenses, which would require an insured person falls ill with diseases. A dengue health insurance policy comes with the following coverage benefits.
- In-patient hospitalization expenses, including room rent, ICU charges, transfusion charges, etc.
- Coverage for pre and post-hospitalization costs
- Doctor consultation fees – pre, post or during hospitalization
- Coverage for medical tests before or during hospitalization
- Pharmacy expenses, pre, post or during hospitalization
- Outpatient expenses, which include OPD consultation fee for pharmacy expenses and home nursing.
How to Choose a Dengue Health Insurance?
When buying a health insurance plan for dengue, you need to take into account several factors. The factors include:
Premium amount:
You need to be aware of the premium amount to be paid while you purchase a policy. You should compare the premiums and coverage benefits of different health policies of different health insurance. This will help you make an informed decision while selecting your health insurance.
Coverage:
It is important to know that all medical costs for dengue treatment are covered under a health plan and there would be no sudden expenses that are not covered during hospitalization. Dengue is a common disease In India, so medical treatment costs are covered in inclusive health care plans.
Claims
You are able to claim your expense either through cashless claim or reimbursement purpose.
- Cashless claims are types of claims where you need to inform your insurance company of your disease and expenses. Once you are done, the insurance provider will directly connect with the hospital to which you are admitted and take care of all the expenses incurred in your treatment. Thus you will not have to pay even a single rupee from your pocket.
- Unlike cashless claims, reimbursement Claims work differently. If you want to get reimbursement claims, you need to take care of all the expenses by paying them to the hospital when getting discharged. After you are discharged, you will need to apply for a reimbursement claim to your insurer. After verification, the insurance company reimburses the claims by transferring the amount to your account.
Exclusions:
Do not overlook exclusions under a policy. This is a significant policy purchasing process. The common exclusions include any costs unrelated to the disease, claims rose for treatment other than dengue and treatment of individuals who would not be covered under the plan.
Conclusion
Dengue is dangerous as it can cause death. In most cases, it requires immediate healthcare and treatment by medical practitioners. When buying a policy, you need to be aware of coverage, premium amounts that need to be paid and the exclusions of each policy. This will allow you to choose a plan which is the perfect policy to cover you against the dengue fever that would meet all their needs.