When Ms. Mehra residing in south Delhi was struck by dengue last
year, she was hospitalized and bed-ridden for over a fortnight, bringing
life to a halt. Disease-induced weakness apart, this viral attack also
made her realise that the costs of treatment for this vector-borne
disease can be exceptionally high for someone like her.
many Health Insurance plans in India cover dengue or provide reasonable
cost benefits if they do. Should you consider investing in
dengue-specific insurance this monsoon?
rainy season, and several thousand cases of dengue and other
vector-borne diseases are reported from across the country. This year
itself, over 18,700 dengue cases have already been reported in the
country so far, according to recent news reports.
the government claims to be taking measures to check the spread of this
and other vector-borne diseases in India by trying to raise awareness
of the same through massive campaigns, it is time for you to see where
you stand in the protection for you and your loved ones. Have you
considered health insurance to tackle this unforeseen but high Risk
health expense this monsoon?
Symptoms of dengue include fever,
headache, muscle and joints pain, skin rashes, nausea – and in extreme
cases may cause haemorrhaging leading to death. As it is a virus that
causes the disease, antibiotics cannot help making supportive treatment
imperative. With rising medical diagnosis and treatment costs, you could
do well by securing yourself against the health risk borne out of this
disease in the mosquito-breeding season of monsoon.
The Dengue Treatment Costs
of dengue usually involves multiple schedules of blood tests amounting
to rather high diagnostic test costs. This could be over a few thousand
rupees, at times.
It could involve repeated visits to the
doctor’s clinic or the hospital for regular check-ups. This would add to
the medical costs as consultation fee.
If dengue tests turn
out to be in the positive, hospitalisation of anywhere between a couple
of days and about a fortnight may be required. The costs for this could
be as expensive as up to 50,000 rupees.
WHY TAKE DENGUE INSURANCE?
first question to ask here is – whether your current health insurance
plan covers dengue. And even if it does, does it really make financial
sense to lose your no-claim Bonus on a larger health cover for a smaller
dengue expense as opposed to a small-premium separate dengue cover?
are better off with this plan as compared with the regular health
insurance covers – which while offering In-patient benefits – may
restrict these to the sub-limits and capping mentioned in the plan
Also, certain diseases or treatments of these are
often restricted to a limited amount of money which makes the
policyholder responsible for dispensing the remaining claim. The
out-patient benefits are also limited to a certain amount or may even be
absent in the regular health insurance policy.
SO HOW DO YOU BENEFIT FORM A STANDALONE DENGUE POLICY?
dengue-specific cover would reimburse outpatient billing besides
covering inpatient treatment, and do a lot more for you, if and when one
is caught with the menace of this disease. So what is on offer? Let us
explore a plan on offer in this category:
Apollo Munich Dengue Care Health Insurance
Munich claims that its’ Dengue Care plan offers Coverage against any
medical expenses incurred on inpatient or outpatient treatment for
dengue. At the time of buying the cover, the company says, only a
declaration stating “I do not suffer from dengue” will suffice as the
plan doesn’t require the Policyholder to undergo any medical test. What
are the other salient features to benefit the Insured under this cover?
It is Affordable
at a fairly low Premium price of 500 to 700 rupees (inclusive of taxes)
for an insured sum of up to one lakh rupees, it is surely an affordable
dengue health cover plan for the average person. Apollo Munich offers
you a choice between an insurance of a sum of 50,000 rupees or one lakh
Additionally, you benefit from a uniform premium irrespective of the age of the insured.
Realistic Expense Cover
The plan provides cover for OPD expenses up to 10,000 rupees upon diagnosis of dengue.
also offers coverage for consultations, diagnostic tests, pharmacy and
home nursing for dengue treatment taken at home. Further, it proposes
accounting for coverage even for non-medical expenses incurred during
hospitalisation, wherever the insured have opted for shared
Short Waiting Period
is great about this plan is just a fortnight of Waiting Period since
inception of policy. There are no additional waiting periods in this
This cover is renewable through the life Term of the insured.
No Pre-Medical Tests
you need to do to get this plan in terms of medical health is a
self-declaration – along with the Proposal form – that you are not
infected with the dengue virus. Apart from this, you are not required to
undergo any pre-acceptance medical tests.
One Plan for All
dengue care plan would suffice for the entire family since the Apollo
Munch Dengue Care Plan lets you insure several family members including
adults and children (beginning age 91 days) on an individual sum insured
basis for comprehensive dengue cover.
Further, this Policy
covers persons in the age group of 91 days up to 65 years, the maximum
entry age being restricted to 65 years. While the minimum entry age for
an adult is 18 years and maximum 65 years, the minimum entry age for
children is 91 days and the maximum is 25 years.
Does Not Upset Main Health Cover
any case, if you go for a dengue Claim through a dengue cover, even
when you own a separate health insurance policy, you can preserve the
larger benefits of your regular health plan such as a no-claim bonus.
may further compare this dengue care health insurance plan with other
health covers and buy this plan online with EasyPolicy.com.
benefit of a standalone dengue health insurance plan like Apollo Munich
offers is the absence of sub-limits (such as restriction on room rent,
ICU charges, and so on) apart from there being no co-payment clause
So Should You Go For It?
fever takes a toll on the health and its treatment can prove to be
heavy on the pocket. Coverage for both in-patient and Out-patient
expenses for dengue treatment provided by Apollo Munich in its dengue
care plan comes at a very reasonable price.
You may go for
standalone dengue insurance if your current health insurance policy
restricts you with sub-limits or capping that do not accommodate dengue
treatment costs. This additional cover would protect you and your family
from the life-threatening dengue virus when the need arises.
Written By: Urvashi Sibal