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Does Health Insurance Covers H3n2 Virus?

Published On Aug 19, 2023, Updated On Aug 29, 2023

Due to changing weather and increasing pollution, cases of a new virus called H3N2 (Influenza A) virus have been on the rise. Even though the virus is in its early stages, it is advisable to be cautious and take appropriate precautions. 

The H3N2 virus is also called 'Hongkong Flu' and can be severe in some cases, and that is why people who are willing to buy health insurance want to know whether their insurance policies cover the H3N2 virus or not. You will find out in this article. 

Before moving forward in detail whether health insurance covers the H3N2 virus or not, it is important to know a little about this virus and its symptoms. 

Does Health Insurance Covers H3n2 Virus?

What Is H3N2 (Influenza A) Virus?

H3N2 flu, a sub-type of Influenza A virus, spreads through droplet infections and other seasonal flu. It is contagious, and one can be infected with the virus by coming in contact with an infected person or when you touch an infected surface and then touching your face or eyes. The symptoms may last up to 5-7 days. 

The common symptoms of an H3N2 infection are: 

  • Fever, usually with chills
  • Muscle and Joint pain 
  • Cough and runny nose 
  • Sore throat and Headache 
  • Nausea 
  • Itching or pain in the ears 
  • Swollen lymph nodes (in children) 
  • Diarrhoea 
  • Shortness of breath (in severe cases) 
  • Fatigue 

Who are at higher risk of H3N2 Virus? 

As per the recommendation of the Centre for Disease Control and Prevention, those who are at higher risk of H3N2 infection include children below 5 years of age, senior citizens mainly 65 years and older, pregnant women, and people with certain long-term health conditions (like asthma, diabetes, heart disease, weakened immune systems, and neurological or neuro-developmental conditions).

2 years back, the COVID-19 pandemic was the major outbreak in the world, and now the cases of influenza virus variant H3N2 are rising in the country. Some people think both are the same, but actually they are different. 

Is COVID-19 or H3N2 similar or different? 

There are many small differences between COVID-19 and H3N2 flu, and can be discovered after proper diagnosis and consultation. Find a few differences between the two below- 



Common in Young adults & older individuals

Common in children below 5 years & people above 65 years

Commonly occurs within 2-14 days after  exposure

Commonly occurs within 1-4 days after exposure

Causes high fever

Causes low fever

Loss of taste or smell

Does not cause loss of taste or smell

Can cause severe systematic illness and death

Is mild and not extreme

Though H3N2 flu is not that dangerous, taking precautions to avoid infection is still extremely important. Let us find out whether health insurance policies cover the H3N2 virus or not. 

Does Health Insurance Cover H3N2 Virus? 

The answer is YES. In India, all health insurance policies cover contagious diseases. Since H3N2 is an infectious disease, it is covered by health insurance policies. 

Health insurance covers the patient's medical expenses like hospitalisation costs, ICU charges, medicine bills, and OPD treatment expenses. This helps the patient to get treatment on time without any extra expenses in their pocket. 

What Is The Waiting Period For H3N2 Virus In Health Insurance Policies? 

The initial waiting period for any health insurance is 30 days. By this, we mean that if the person is infected with the H3N2 virus, he can claim for the expenses after 30 days, as any claims made before 30 days will not be considered.   

The expenses for the policyholder will be covered as per the policies in your health insurance cover and can vary from insurer to insurer. 

H3N2 flu cases are seeing a rise in numbers; thus, a few steps to prevent its infection should be taken care of. 

Ways To Prevent The Spread Of H3N2 Virus 

  • Proper hygiene, i.e., washing your hands properly
  • Wear a face mask if going in public places
  • Use tissues to cover your mouth and nose while coughing or sneezing 
  • Stay hydrated, i.e., drink a lot of water  
  • Take proper sleep and a balanced diet 
  • Do meditation and exercise regularly 
  • Take proper vaccinations after the doctor's consultation 


To sum it up, the emergence of the H3N2 virus dates back to the time of the Spanish Flu and is mainly caused due to changing weather patterns and rising pollution levels. The virus is not dangerous but should not be taken lightly and necessary precautions should be taken in public places. The H3N2 virus is covered under health insurance policies as it is an infectious disease.  

Coverage spans hospitalisation, medication, and treatment expenses, providing reassurance amid rising infection rates. Nonetheless, a 30-day waiting period applies before claims can be made, emphasising the importance of early precautionary measures. 

Practicing proper hygiene, wearing masks, adopting a healthy lifestyle, and considering vaccinations are crucial steps to stop the virus's spread. We can collectively safeguard our well-being against the evolving health landscape by staying informed and proactive.

Frequently Asked Questions 

  • What is the waiting period for making a claim related to the H3N2 virus in health insurance?

The initial waiting period for health insurance claims is usually 30 days. Claims related to H3N2 virus treatment can only be made after this waiting period. 

  • What is the significance of the H3N2 virus coverage under health insurance policies?

Health insurance coverage for the H3N2 virus is important as it provides financial protection for medical expenses related to the infection. It covers hospitalisation, medication, and treatment costs, offering peace of mind during times of rising infection rates. Ensure to check with your insurer about the policies, as they vary from insurer to insurer. 

  • Why should precautions be taken despite its relatively mild symptoms?

While H3N2 flu may not be as dangerous as some other viruses, it can still lead to complications, especially in pregnant women, children and senior individuals. Precautions are essential to prevent its spread, protect those at higher risk, and avoid expensive healthcare systems.

  • Are there any specific criteria or documentation required when making a health insurance claim for H3N2 virus-related treatment?

Health insurance policies often require standard documentation for claims, such as medical records, diagnosis, and treatment details. It's advisable to consult with your insurer or read your policy terms to understand the specific requirements for making a claim related to H3N2 virus treatment.

  • How can individuals ensure their health insurance adequately covers potential future outbreaks or mutations of infectious diseases like H3N2?

Reviewing your health insurance policy's coverage for infectious diseases is important. Consider discussing coverage for future outbreaks or mutations with your insurance provider to ensure you're well-prepared for changing health risks.


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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