All About Health Insurance For TB Patients
Published On Jan 01, 2021, Updated On Apr 23, 2021
Tuberculosis is a deadly disease of the lungs and is caused by the Mycobacterium tuberculi bacterium. The disease can spread easily to other parts of the body, including the brain (cerebral tuberculosis), and is also highly contagious. Tuberculosis incurs long-term expensive treatment and thus it is beneficial to take a health insurance plan that covers the treatment of tuberculosis. It is also optimal to look for a critical illness policy that covers major critical illnesses along with tuberculosis.
Treatment Costs of Tuberculosis
The treatment of tuberculosis takes between six to nine months. And the diagnosed individual has to take long term antibiotics for complete cure and to avoid relapse of TB. Even after the six months’ treatment period, if the person is found infected, then the treatment can continue for another 2-3 months.
At times the bacterium becomes resistant to some antibiotics and it is diagnosed as drug-resistant tuberculosis. In such instances, the treatment can take more than a year. Apart from the costs of hospitalization and medications, the patients also have to undergo a series of costly diagnostic procedures such as CT scans and MRIs to learn the disease prognosis.
Also, the side effects of the tuberculosis medicines require separate treatment plans, thus incurring huge treatment costs. The disease is life-threatening and can affect anybody, especially those with a weak immune system. Thus the best way to cover the treatment costs is to acquire a pertinent health insurance plan for TB.
Insurance for TB patients in India
Tuberculosis requires prolonged treatment and long-term hospitalization incurring huge costs. The following aspects of the treatment will be covered under the insurance plan.
- Hospitalization Cost: A comprehensive health insurance cover will offer cash reimbursements up to Rs. 50,000 for specified treatments.
- Costs for Diagnostic Tests: The insurance will cover the costs of diagnostic tests before and during hospitalization.
- Doctor Fees: Expenses towards doctor fees before and after hospitalization will also be covered.
- Room Charges: Room rents, including ICU charges, will be covered.
- Cost of Treatment: Treatment charges that include, medications, transfusions, and other diagnostic tests will be covered under the insurance.
Insurance companies That Offer Cover for Tuberculosis
Several insurance companies will offer cover for tuberculosis and allow online applications for the disease. Individuals can avail of TB insurance cover from the following providers.
- Bajaj Allianz General Insurance
- Aegon Life Insurance Company
- ICICI Lombard Insurance Company
- Royal Sundaram General Insurance
- Aditya Birla Health Insurance
People with a very weak immune system and elders are more prone to acquire tuberculosis infection. Health care workers who are working in the tuberculosis ward and those who are in close contact with active TB cases should consider adapting health insurance for TB from any of the insurance providers listed above.
The cost of tuberculosis treatment can reach beyond one lakh if the bacterium is diagnosed to be drug-resistant. Thus it is important to seek medical insurance, as it serves as the best step to protect people from the rising cost of treatment of tuberculosis. The policy will help with cashless hospitalization and health checkups to treat and TB and also to prevent its relapse.
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.