Dengue is a mosquito-borne viral infection that poses a life-threatening risk for people since the 1950s. Since the last 6 to 8 decades, this disease has claimed millions of lives around the globe. The threat of this lethal mosquito-bite lurks over 100 countries endangering the lives of over half of the world’s population.
What is covered under Dengue Health Insurance?
The coverage of Dengue Health Insurance plans is more extensive as compared to a normal health insurance policy. Note that the eligibility of this plan ranges from 91 days to 65 years. 65 years is the maximum age until when you can buy this plan. Thus, a health insurance plan that covers Dengue can be purchased for your senior citizen parents below the age of 65. This duration of this policy is mostly of one year.
- When a policyholder is diagnosed with Dengue, this medical insurance policy may pay up to 10,000 rupees under Outpatient treatment, pharmacy, diagnostic tests, outpatient consultation, home nursing, etc.
- Room rent for a single AC room can be covered under this plan.
- 15 days of pre and post hospitalization expenses each will be covered under this plan. This includes expenses for investigations, consultations, and medicines.
- Mostly 6 members can be covered under Dengue health insurance plans (the figure may change as per the terms of the insurance company).
What are the exclusions of this health policy?
Here is the list of things that may not be covered under a Dengue Health Insurance Policy:
- Any claim raised for the treatment other than for Dengue.
- Availing treatment from an unauthorized individual or group.
- Any treatment or medicines that are medically not necessary for curing the diseases.
- Inactive policy.
- Claim for treatment of a newborn baby or a person above 65 years of age.
- Treatment availed outside the geographical limits of the country.
Waiting period on Dengue health insurance plan
The waiting period is the duration for which a policyholder cannot raise a claim against his/her health insurance policy. With respect to Dengue health insurance plans, a waiting period of 15 days from the start date of the policy may be applicable as per the terms and conditions of the insurance company. Usually, a waiting period is applicable in case of buying a specific health insurance policy for the first time and not on subsequent renewals.
Free lookup period
An insurer may allow the policyholder a free lookup period of around 15 days. The policyholder is supposed to take a look at the terms and conditions, inclusions, exclusions, etc. of the policy and decide whether to continue with the Dengue health insurance policy. During this time, he/she will be given the option to cancel the policy and the premium amount will be refunded.
Conditions for making a claim against Dengue health policy
- One needs to intimate the insurance company within the first 24 hours of emergency hospitalization. Any delay might result in the rejection of the claim.
- For a planned hospitalization, one may have to inform the insurance company at least 48 hours in advance.
- The insurance company will then send an authorization or rejection letter.
- One may have to intimate the insurance company within 7 days of availing treatment.
- A duly filled claim form along with the other necessary documents (mentioned on the claim form) are required to begin the claim process.
- The insurer may send a communication within 7 days if the company requires any more documents.
- A claim against the Dengue medical insurance usually takes less than 30 days for settlement.
With frequent cases of Dengue, it has become more of a necessity than a choice for buying a health insurance plan that covers this disease. Some insurance companies offer Dengue cover as a part of their basic health insurance plan. Thus, you can buy this cover as a separate plan or as an add-on but make sure to include it in your health insurance portfolio.
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