All About Dengue Health Insurance Plan

Dengue or breakbone fever is caused by mosquito bite and has become a common issue today. The dengue cases in India has reached 16,439 as on 30th september and has claimed over 10 lives till that date as per the data of the National Vector Borne Disease Control Programme.

Delayed treatment of dengue can be fatal, and therefore, you need a plan that would offer immediate help. The government is taking measures to prevent dengue, but cases are still rising, and you need to protect yourself. A dengue health insurance plan can offer adequate coverage for all your medical expenses during dengue treatment.

Features of A Dengue Health Insurance Plan

A dengue health cover plan aims to provide extensive coverage to the policyholder, which s/he might not get under a standard health insurance policy. Dengue health insurance plans come with the following features:

• The age group of 91days - 65 years are covered.
• The duration of the plan is usually 1 year.
• In general, a total of up to 6 members can be covered under the dengue health plan.
• A Single dengue care plan can include a maximum of four adults &five children.
• Apart from the expenses levied during hospitalization for dengue treatment, the plan would also cover all pre- and post-hospitalization costs for up to 15 days.
• The health insurance policy for dengue treatment usually comes with lifelong renewability.
• Most insurance companies would offer a free look period of 15 days under the dengue health plan. During this period, if the policyholder changes his/her mind and is not satisfied with the T&C of the policy, s/he can cancel the policy.

Note: Usually, there would be a waiting period of 15 days from buying the policy. Any expenses made in dengue treatment before this period would not be covered.

Benefits Of Dengue Health Insurance Plan 

The disease is considered seasonal in the terms of medical sciences but in the case of the peninsular region as is the scenario with the major part of India, the disease is somewhat all year round. The following are the benefits that the dengue health insurance policies provide:

• They cover the outpatient costs along with the medical charges incurred with the hospitalisation and the nursing charges. This is not covered in most of the general policies because they usually deal with the outpatient charges.
• The dengue insurance helps you safeguard the No Claim Bonus of your core medical or health cover so that it can be used in some critical disease where it would be much more needed.
• The insurance is a huge boon because it takes in a very small premium annually and is a huge help when diagnosed with the painful disease.

What Is Not Covered Under A Dengue Health Insurance Policy?

Although there are numerous benefits of having a dengue health insurance plan, certain things are excluded from under its coverage. Before opting for any policy, be well-aware of the following exclusions to prevent future disputes and smoothen the claim settlement procedure.

• Claims raised for the treatment of any medical condition or disease other than dengue.
• Claims submitted for individuals aged less than 91 days or more than 65 years.
• Treatment availed for individuals not covered under the dengue insurance policy.
• Treatment or vaccines that are not required to treat dengue are still availed during its treatment.
• Treatment coverage and benefits can be availed only in India.

Conclusion

The dengue health insurance plan can be an excellent option for individuals who suffer due to lack of proper facilities or financial support. However, you still need to take all the preventive measures as advised by the Government of India. Keep your surroundings clean and contribute towards making a safe and healthy society.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.