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Health Insurance Plan For Dengue Patients

By Vikas Chandra Das
21 July 2022, 11:46 AM
health insurance plan for dengue patients

India contributes to 34% of the global dengue cases in the world. In most cases, people who are diagnosed with Dengue are hospitalised. As Dengue patients require faster recovery, else it may even result in death. 

The treatment for Dengue often requires financial aid, so that you and your family stays financially worry-free.

And, if you are wondering whether there’s a health plan that covers Dengue, then you are at the right page. This article will cover health insurance plans for Dengue treatment.

What is Dengue? 

Dengue is a vector-borne illness that causes high fever. It can also be malignant and sadly, many people in India lose their lives to dengue every year. Dengue is also a complicated disorder that affects the other areas of the body. Some of the complications that accompany dengue include symptoms like:

  • Severe joint and muscle pain that limits mobility and causes a lot of discomforts
  • Excessive nausea and vomiting that leave the patient dehydrated and severely weak
  • Severe headache that limits the person’s ability to focus on anything else
  • High fever that refuses to come down
  • Redness and rashes all over the body that causes itching and overall discomfort
  • Nosebleeds
  • Severe fatigue that doesn't even allow the patient to get up and walk a few steps

A normal person has a regular platelet count anywhere from 1.5 lakhs to 2.5 lakhs per microlitre of blood. However, when someone has dengue, his platelet count drops to below 1 lakh per microlitre of blood and for some patients, it can go as low as 20,000 or even lesser. 

Typically dengue occurs during the monsoon from April to November in the northern part of India and year long in the southern states.

As you can see, all the above-mentioned conditions make a dengue patient tremendously unwell. Dengue is also a very-difficult-to-control ailment. It takes a long time to heal and often, the patient requires hospitalisation.

Why is Dengue Insurance Needed? 

Dengue causes a lot of harm, both physically as well as financially. The treatment is long and expensive. This is why you need to have a good health insurance plan that covers all the expenses incurred while you get treated for dengue. 

Here are a few ways in which such a dengue health cover helps:

  1. Pays for diagnosis - 
    Dengue may seem like a normal fever initially, but it gets serious and deadly very soon. This is why you should not ignore it. If you get a high fever and suspect you can have dengue, you must rush to the doctor and get done with the tests prescribed. If you have a dengue protection plan, you will not have to worry about the costs as all the OPD and diagnostic costs are usually covered under these plans.
  2. Pays for hospitalisation - 
    If your dengue is severe, your doctor will ask you to get admitted. The health coverage will pay for all expenses related to your hospital stay and you can recuperate without having to worry about the bills and payments. This is a huge benefit you get when you buy a health insurance plan for dengue treatment.
  3. Pays for medicines - 
    The plans also cover a majority of the pharmacy and medicine costs. Certains pills and injections administered in dengue need to be imported and are extremely expensive. If you have a health insurance plan, it becomes easy to afford these important medicines that potentially save your life.
  4. Pays for follow-up - 
    And finally, even after you recover and leave the hospital, you require a lot of follow-up and post-hospital care to ensure you become completely healed. The dengue health insurance plans pay for all expenses incurred in this follow-up phase too.

Whether you need to get admitted to the hospital or you need to recuperate at home, you will require a lot of money when the treatment of dengue is on. If you have good health insurance cover, you will not have to worry about the affordability factor and you can easily afford the best treatment at the best hospital or clinic.

Health Plans for Dengue

Many of the family floater comprehensive health insurance policies include dengue as one of the covers. So, if you are hospitalised and you need treatment for dengue, your comprehensive indemnity health insurance plan covers the same as well.
However, there are a few vector illness-specific plans, for dengue or malaria, are also available. 

This includes:

  • Future Generali Vector Care Plan is a health insurance plan for mosquito-borne diseases like
    • Dengue Fever
    • Kala Azar
    • Malaria
    • Filariasis(only paid once)
    • Zika Virus
    • Chikungunya
    • Japanese Encephalitis
  • Bajaj Allianz m-Care Health Insurance Plan covers 7 vector-borne ailments like
    • Dengue Fever
    • Kala Azar
    • Malaria
    • Filariasis(only paid once)
    • Zika Virus
    • Chikungunya
    • Japanese Encephalitis

These plans are dengue-specific plans that have a low waiting period. And are usually available for a period of one year. You can make a claim and get all the in-patient, as well as OPD covers related to your dengue treatment, covered. These are family floater plans that cover all the members of the family, so they prove to be very beneficial.

The other option is to look for a good comprehensive health plan that may offer a dengue cover. Go through the policy wordings to understand whether or not your comprehensive health plan has dengue benefit coverage. Getting a super-comprehensive indemnity health insurance plan is definitely better than opting for a dengue care plan only, but it is surely more expensive. You can always increase your coverage with super top-up plans, which also cover dengue related hospitalisation.

Get a Health Cover that Covers Dengue

You can read the policy wordings or you can directly speak to the insurance provider by calling the customer care number. Whatever you do, make sure you have a good dengue insurance cover as the illness is serious and requires thorough medical intervention. 

All-in-all, before buying, don’t forget to read the terms and conditions, analyse the features, compare the prices, what is included and excluded, and only then opt for a health insurance plan.

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