Choosing Health Insurance with Dengue Treatment Cover

Dengue is a viral disease caused by the Aedes aegypti mosquito in tropical areas where the temperature is higher and is perfect for the mosquito. Dengue usually requires doctor’s visits, multiple blood tests, hospitalization and urgent care in some cases. These can sum up to be very expensive. This is where a health insurance plan would come into play. Health insurance is a type of insurance in which one can insure himself from huge medical expenses, which would be presented when the policyholder falls ill with diseases. The health insurance policies take care of the costs incurred by the patient by reimbursing the expenses to them or their current caregiver.

Common Symptoms of Dengue

The most common symptoms of the Dengue virus include:

• Headaches
• High fever
• Vomiting and nausea
• Muscle and joint aches
• Disorientation 
• Low pulse rate
• Eye pain
• Internal bleeding

In some cases, bleeding can be excessive and can cause shock and other serious health problems. This makes Dengue a very harmful viral disease. 

What Should the Health Insurance with Dengue Cover Constitute?

Health insurance companies offer coverage under their policies for vector-borne diseases like Dengue. There are several factors to be verified before the purchase of the said policy. The factors include:

1. Coverage: The consumer should ensure that all the medical expenses are covered under the policy and that there would be no sudden expenses that would not be covered during the time of hospitalization. As this is a common disease in India, these expenses would be covered by most dengue inclusive health care plans.

2.Premium amount: The consumer should be aware of the premium amount to be paid. The consumer should compare the premium amount to be paid by them, of various insurance companies and then compare the other features and decide on the particular policy.

3. Exclusions: This is an important factor to be noticed in the policy purchasing process. The exclusions of the policies may include any costs unrelated to the disease, claims raised for treatment other than dengue and treatment of individuals who would not be covered under the plan. 

4. Claims: The consumers can either claim their expenses through cashless claims or reimbursement claims. The cashless claims are claims where the consumer informs the insurance company of their current disease and expenses. The company then connects directly with the hospital in which the patient is admitted and takes care of the expenses incurred by the patient.

Reimbursement claims work a little differently than cashless claims. The patient usually takes care of the medical expenses by paying them with cash, and then the insurance company reimburses them directly instead of contacting the hospital.

Also Read: All About the Dengue Health Insurance Plan

Conclusion

Dengue is a dangerous viral disease which requires immediate care and treatment by a licensed medical professional. Health insurance policies that include dengue care in their plans are a perfect way to insure yourself from this particular disease. Consumers should be aware of the coverage, premium amounts to be paid and the exclusions of each policy before deciding on one policy, so that they can find the perfect policy for them, which would suit all their needs.

You May Also Like to Read: Are Dengue and Pneumonia Covered Under Health Insurance 

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.​