Health A-Z

Is Dengue covered under health insurance?

Dengue is one of the most common infections that claim millions of lives each year across the world. In India, this mosquito-borne viral infection has been killing people since the 1950s. People living in the posh areas also become victims of this infection. The infection can be mild or complicated. In the mild Dengue infection, the treatment can be done at home. If the case gets complicated, the patient might have to be hospitalized. We must know the fact that the treatment for dengue in hospitals can be expensive. And we must be ready with the funds that are needed for the treatment. 

What if we do not have the kind of money that we need for the treatment at that point? Well, this is why we should buy a health insurance policy. Now the next question that may come to your mind is if dengue is covered under health insurance? The easiest way is to choose a Dengue health insurance policy. So, let us discuss this today in this piece of information.

What all are covered under a Dengue health insurance plan?

The coverage provided under Dengue health insurance plans is much more extensive if we compare them with regular health insurance policies. The minimum age to buy this plan is 91 days and the maximum is 65 years. Therefore, whether you have an infant or elderly parent within the age of 65 years at home, you can buy a Dengue health insurance policy for either or both of them. This policy comes with a validity of one year.

If a policyholder is diagnosed with Dengue, they will get up to INR 10,000 under outpatient consultation, outpatient treatment, diagnostic tests, pharmacy, home nursing, etc.   For a single AC room, the room rent is covered under this plan. The other things that are covered by this plan are 15 days of pre and post-hospitalization costs, expenses for consultations, investigations, and medicines. At the maximum, six members can be covered under this policy.

Read Also: Tips to Maintain Cleanliness of Your Pool

What is not included under this health plan?

There are quite many things that may not always be covered under all Dengue Health Insurance Policies. Here are some of them mentioned below:

  • Claim raised for treatment even if it is not Dengue
  • Availing of treatment from an individual or group who is not authorized
  • A treatment that is medically not required to cure the illness or infection
  • Inactive policy
  • Raising a claim for an infant or an individual whose age is more than 65 years
  • Treatment that is undergone outside the country.

The waiting period for a Dengue health insurance plan

The waiting period of any health insurance plan is the duration in which a policyholder cannot claim the sum insured by his/her health insurance plan. The waiting period for a Dengue health insurance plan is 15 days from the date that the policy started. However, when you buy a Dengue health insurance policy, you must check the terms and conditions. You also need to know that the waiting period is applicable only when you are buying the policy for the first time and not during any renewal of the plan.

Free lookup period

While you plan to buy a Dengue health insurance plan, you will get a free lookup period of around 15 days. You can go through the terms and conditions of the plan, and also check the inclusions and exclusions and all the things related to it.  If you find anything objectionable or not fulfilling your requirements, you can contact the insurance company and cancel the plan. Once the plan is canceled within 15 days from the date of purchasing it, the premium amount will be refunded to you by the insurance provider.

Now, if you want to check out some of the best Dengue health insurance policies in India, you can spare some time and visit the website of IIFL.

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