Check Star Health Insurance Dengue Coverage Plans

Dengue is a disease which spreads by mosquito bites. It can cause various problems including fever and in some cases, death. Therefore, it is essential to show extra care for at least the first 14 days since the disease has occurred. Sometimes, the severe symptoms of dengue call for hospitalisation, which may result in costly treatment. Hence, having health insurance is extremely important. Star Health has many policies which provide good coverage for Dengue

Read this article to know about the Star health insurance coverage for Dengue, its benefits, coverage limits, exclusions, waiting period etc. 

Star Health Insurance Plans Covering Dengue

This mosquito-borne ailment has more chances of being serious; hence, it requires serious attention and care. Let's see the coverage available under Star Health Insurance Plans for Dengue:

1. Star Comprehensive Plan

It covers almost all the expenses that fall within the treatment for dengue, like hospital fees and ambulance charges. It includes outpatient consultation charges before and after hospitalisation for dengue. It also provides a daily hospital cash allowance for each day of hospitalisation. 

2. Star Health Gain Insurance 

The plan provides coverage for hospitalisation, cost for pre- and post-hospitalization, as well as outpatient expenditures for treating dengue.

3. Star Family Health Optima Plan

This insurance cover pays for all treatments associated with dengue fever for the whole family and pre and post-hospitalization costs, expenditure for hospitalisation and ambulance services.

4. Star Senior Citizens Red Carpet Health Insurance Plan

This is an ideal plan for senior citizens and provides comprehensive coverage for dengue treatment. Both the pre and post hospitalisation costs are covered, including hospital stays and OPD consultation charges.

5. Star Health Assurance Plan

This plan offers complete coverage for dengue treatment, including pre- and post-hospitalization expenditures, charges for hospitalisation, ambulance services, and costs for various non-medical goods.

Specific Benefits and Coverage Limits

Star health insurance plans provide comprehensive benefits since they generally cover all those expenses that are related to dengue. Yet, there are a couple of limitations in coverage, so let's see: 

• In-Patient Hospitalisation
• Prior to and After Hospitalisation 
• Diagnostic Tests
• Consultation Charges
• Pharmacy Expenditure
• Out-Patient Treatment
• Home Nursing

Coverage Limit

• Sum Insured:  There is a limitation in SI. It all depends on what plan you choose and how much it covers. 
• Network Hospital: The cashless payment facility for the treatment against dengue is restricted to in-network hospitals. You have to get admitted to a network hospital itself for timely and smooth treatment. 

Star Health Insurance Policy Coverage for Dengue

The best protection against dengue is to avoid being bitten by mosquitoes in the first place. 

If a person is infected with Dengue, he can develop some serious symptoms like internal bleeding. For curing these, hospitalisation becomes a compulsion, and Star Health Insurance provides great coverage in such a situation. It pays for all hospitalisation fees as well as post-hospitalization medical costs for patients. It also covers the nursing costs if required.

Exclusions and Waiting Periods for Dengue Coverage

The coverage of dengue has some exclusions and waiting periods. Here are some exclusions and a few waiting period limitations:

Exclusions-

• Treatment taken from any unauthorised health care institution or outside of the county will not be covered under the dengue plans.
• Expenses incurred for the initial diagnostic time will not be covered under the dengue plan.

Waiting Period

Dengue is treated only after the policyholder waits at least 30 days for the treatment. The waiting period will also vary according to the type of policy plan chosen. 

Conclusion

A prevalent illness that is typically seen in tropical areas, dengue can pose a major risk to one's health. It could be so serious that it may require hospitalisation and much-needed care. The treatment expenditure generally becomes costly; however, Star Health Insurance provides complete coverage for dengue treatment. One can keep themselves safe from financial crises with health insurance. 

FAQs

Ques 1. Which Star Health Insurance covers dengue treatment?

Ans. Several Star Health Insurance plans provide comprehensive plans, including the Star Comprehensive Insurance Plan, Star Family Health Optima Insurance Plan, and Star Health Premier Insurance Plan

Ques 2. How can I buy a Star Health Insurance policy that covers Dengue?

Ans. You can buy the policy online either from the Star Health Insurance website or from online insurance aggregators like Insuracedekho. You need to fill in the necessary details, choose your desired plan, and make the payment for getting coverage against dengue.

Ques 3. What documents are required for making the claim of Dengue?

Ans. There are a few important documents that will be required for the Dengue claim-

• Attending doctor's statement
• Original hospital bills and receipts
• Diagnostic test reports
• Discharge summary