Health insurance plays a pivotal role in securing your financial stability in times of unforeseen medical expenditures. For contagious illnesses such as dengue, having a clear understanding of the extent of coverage within your health insurance policy becomes essential. Here, we will understand: does health insurance cover dengue?
Is Dengue Covered by Health Insurance?
Certain insurance providers include dengue coverage in their standard health insurance plans. This implies that if you happen to contract dengue and need medical treatment, your health insurance provider can assist in bearing the expenses. Nevertheless, it is essential to consider some crucial aspects regarding dengue coverage -
Buy It Separately
Occasionally, dengue coverage might not be part of your primary healthcare insurance plan. In such instances, you have the option to purchase Dengue coverage separately or as an extension/add-on to your existing medical policy.Exclusions Apply:
In any insurance policy, there may be certain exceptions or exclusions to be aware of. Common exclusions encompass maternity benefits, undisclosed pre-existing conditions, or specific waiting periods.Age Bracket:
An individual can receive coverage if he/she falls within the age group of 91 days to 65 years.What's Covered:
Policyholders will receive coverage for charges/rent for single AC rooms, 15 days of pre-and post-hospitalisation expenditures, and up to INR 10,000 for OPD costs, diagnostic tests, doctor consultations, medicines, domiciliary care, etc.Seek Clarity:
Typically, up to 6 household members can receive coverage under healthcare plans for Dengue. If you're unsure whether your health insurance covers Dengue or if there are specific conditions attached, it's essential to reach out to your insurance provider for clarification.
Conclusion
In conclusion, whether health insurance covers dengue depends on the specific policy. Reviewing your policy to understand the extent of dengue coverage and consulting with your insurance provider for clarification is crucial. Having the right coverage is essential in regions where dengue is a concern.