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Health Insurance in India for Tuberculosis Patients

Published On Dec 09, 2020 5:30 AM By Sakshi Aggarwal

Tuberculosis is an airborne disease and can be contracted by anyone who comes in contact with an infected person. The disease gets spread when an individual, sneezes, coughs or even sings. According to the World Health Organization(WHO), it is one of the life-threatening diseases and is amongst the 10 key causes of death over the world. This disease is caused by bacteria known as Mycobacterium tuberculosis.

Symptoms of Tuberculosis (TB)

In case you identify the given symptoms, call for medical help immediately to curb the disease as soon as possible. The symptoms include:

  • Persistent Cough: Cough and cold are common issues yet experiencing persistent cough could be something more severe. If the cough has blood in it, a person could be affected by Tuberculosis. A cough lasting more than 21 days without any improvement should be checked immediately by a doctor.
  • Pain in the Chest: Generally, pain in the chest is known to be due to respiratory ailments or heart diseases. However, if you get chest pain or experience trouble during breathing, it can possibly be a symptom of Tuberculosis (TB).
  • Weight Loss: If you experience a severe weight loss alongside appetite loss, it can be due to TB. In such cases, one must immediately get themselves diagnosed by a physician.
  • Fatigue: Unexplained fatigue and feeling tired all day along with difficulty in breathing for no obvious reason, could be a symptom of Tuberculosis.
  • Fever and Chills: When a person experience chills, night sweats, and fever frequently, it could be a symptom of Tuberculosis.

Also Read: All You Need to Know About Tuberculosis Treatment

An individual who does not experience any of the above signs and still gets infected, then it is known as latent Tuberculosis.

Tuberculosis Prevention

Tuberculosis can be prevented by maintaining a healthy lifestyle. Consider the following tips:

  • Get yourself vaccinated against Tuberculosis availing of a BCG vaccine.
  • Keep your surroundings clean.
  • Allow sunlight to pass through your room in order to stop the bacteria from spreading.
  • Diagnosing your Tuberculosis and going for early treatment can be helpful in preventing the TB bacteria from spreading.
  • Maintain a healthy lifestyle as a good immune system is the best to fight against TB.
  • Maintain good hygiene habits and cover your mouth and nose at the time of sneezing or coughing to prevent the Tuberculosis from spreading.
  • Maintain good ventilation in your area.

Being an airborne disease, Tuberculosis can be easily spread from one person to another. Since it is impossible to avoid crowded places in India, an individual is highly susceptible to TB. Therefore, being well prepared in advance with a health insurance as a precautionary measure.

Coverage Offered for Tuberculosis Under Health Insurance Plan

Individuals, who have a weak immune system are more susceptible to a life-threatening disease like Tuberculosis. Therefore, if the disease becomes deadly or requires treatment in hospitals for a longer time period, then it is significant to have a Health Insurance plan to meet the financial crisis due to hospitalisation costs.

  • Cost of Hospitalisation: All the hospitalization expenses be it in-patient hospitalization, pre-hospitalisation, post-hospitalisation, etc are covered.
  • Consultation Fees: The consultation fees of the doctor arising before, during, and after the treatment in the hospital.
  • Charges for Room: Rental charges for the room are also covered under health insurance for Tuberculosis.
  • Expenses for Treatment: All the treatment expenses including rent for the room, ICU cost, consultation charges, medication expenses, and Costs for various tests.
  • Diagnostic Cost: All the diagnostic costs including expenses for tests during and prior to the treatment in hospitals.

Summing Up

At the time of purchasing an ideal health insurance plan for Tuberculosis, make sure to go through the coverages offered by different Health insurance companies before making any decision. Also, with the onset of technology, it is quite easy to find suitable health insurance cover for yourself by comparing various available options online.

You May Also Like To Read:

Deadliest Diseases in India

All You Need to Know About Tuberculosis Treatment

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.

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