Updated on 3 Nov 2025
Dengue is a common illness caused by mosquitoes that can manifest as high fever and severe weakness. In most cases, you may need to be admitted to the hospital. With increasing medical expenses, many people worry about how to manage the hospital bills. Now, many health insurance policies cover dengue-related treatment costs.
This article explains how health insurance may cover dengue treatment, including key details about policy inclusions, exclusions, and the importance of reviewing your coverage.
What is dengue?
Dengue is a serious viral illness spread by the bite of the Aedes mosquito. You may get a high fever, weakness, headache, body pain and even skin rashes. In a few cases, internal bleeding or a drop in platelet count can happen, which may lead to hospitalisation. Dengue is common in countries like India during the rainy season.
Dengue causes & symptoms
Dengue is caused by the dengue virus. An infected Aedes aegypti mosquito can spread this disease among humans.
The symptoms of dengue include high fever, headache, body aches, pain behind the eyes, rashes, nausea, vomiting, low platelets, fatigue, bleeding gums, nose, joint pain and muscle and bone pain.
Treatment & hospitalisation for dengue
Treatment for dengue focuses on relieving pain. There is no precise medication for dengue; the medicines are given based on the symptoms one gets. Doctors usually suggest drinking fluids and resting, along with medication to reduce fever and body pain. In some cases, if platelet levels drop, hospitalisation is necessary to closely monitor your health.
Health insurance coverage for dengue
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 fall 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.
How to file a dengue-related insurance claim?
To file a dengue-related medical insurance claim, you must follow the steps below:
- Go through the policy wording to see whether it includes dengue treatment.
- Decide on which hospital you want to treat (insurer-listed hospitals or non-listed hospitals).
- If you choose a network hospital, you get a cashless claim; otherwise, you have to apply for reimbursement later after paying the bill.
- After getting admitted, inform the insurer within the stipulated time.
- For a cashless claim, submit the pre-authorisation form for direct insurer payment. The hospital will coordinate directly with the insurance company for claim settlement.
- For reimbursement, submit all documents like the doctor’s prescription, dengue diagnosis report, hospital bills, discharge summary, payment receipts, your ID proof and health insurance policy copy to the insurer or TPA within the specified time.
- You can track the status online or you can call the insurer’s helpline.
Conclusion
Dengue treatment can lead to unexpected expenses, especially if hospitalisation is needed. 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.
If you want extensive coverage beyond what health insurance offers, you can opt for a critical illness insurance add-on. To get help finding the best policy for your needs, fill out the form on this page. We will provide you with tailored insurance advice.
FAQ
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Do I need to get admitted to claim insurance for dengue?
No, you need not get hospitalised to claim insurance for dengue.
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Is dengue considered a critical illness?
No, dengue is not classified as a critical illness by most insurers.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.