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While the world is still coming to terms with the impact of COVID-19, there’s another virus to worry about! It’s called monkeypox. Fortunately, as of August 2022, this new threat is not as concerning as the coronavirus. However, the World Health Organization (WHO) has sounded an alarm by declaring monkeypox as a Public Health Emergency of International Concern (PHEIC). In such a scenario, it’s natural to feel scared. You might also wonder, “Does health insurance cover monkeypox in India?” The following sections will answer this question; read on.
Yes, monkeypox can be covered under a health insurance policy in India, provided you meet the applicable terms and conditions. Before getting into the details, here’s an overview of the disease.
Monkeypox is a disease caused by the monkeypox virus, also known as ‘viral zoonosis’. It is an infectious disease and it can spread from one infected human/animal to another human. Thus, there’s a need to be extra cautious.
Measures undertaken for COVID-19 such as wearing a mask, maintaining some amount of social distancing, and ensuring basic hygiene can be helpful to keep the spread of the virus in check. Please read this article for further details: What is Monkeypox Virus? - Causes, Symptoms and Treatment.
As mentioned above, monkeypox is an infectious disease. Most health insurance policies in India cover such infectious diseases. However, whether your health insurance policy covers monkeypox or not, is a question that can only be answered by your insurer with 100% certainty. You can also go through the policy wordings of your health insurance cover to understand things in detail.
Here’s a list of things to note regarding health insurance coverage for monkeypox
As monkeypox is an infectious disease, the expenses associated with hospitalisation to treat the disease are usually covered by a regular health policy as per the applicable terms and conditions.
The health insurance policy should be active.
If there are conditions such as a waiting period, they must be met.
The scope of the coverage can differ from one policy to another. For instance, some policies might only offer coverage for hospitalisation, and not for Out-patient Department (OPD) expenses.
Monkeypox is a multi-country outbreak. It is not declared a pandemic (as of 16 August 2022), but since several countries have reported cases of citizens being affected by this virus; one must travel cautiously. Here, the health insurance component of travel insurance can be of great help to manage finances in case you catch the virus while you are in a different country.
Here’s a list of things to note regarding the health insurance component of travel insurance for monkeypox coverage.
Not all travel insurance policies cover medical expenses such as emergency hospitalisation. Some only cover situations related to accidents.
Expenses incurred to treat monkeypox in a foreign location will most likely be classified as medical expenses. Thus, ensure to include a cover for medical expenses in the travel policy for wide-ranging coverage.
Coverage for monkeypox might be subject to sub-limits.
The travel policy might not cover monkeypox treatment if you are infected after landing in your home country (India). Here, your health insurance policy (if any) shall come into the picture.
Please go through the travel insurance policy’s inclusions and exclusions thoroughly to know about its monkeypox coverage.
You can raise health insurance claims for monkeypox the same way you would for medical expenses related to hospitalisation. Usually, there are two ways of raising health insurance claims: reimbursement claims and cashless claims. Here’s how both types of claims processes work.
In this type of health insurance claim settlement process, you first have to settle the bill from your pocket.
Once you have the related receipts, you need to raise a reimbursement claim.
The insurer will go through the shared documents, verify them, and if everything checks out; you shall receive the claim settlement amount as per the applicable terms.
This process can be troublesome, as you are required to do the heavy lifting. First, you must pay the entire hospital bill from your pocket. And later, you must make sure you have the proper documents in place and apply for reimbursement. Comparatively, the cashless claim process is much smoother.
In this type of health insurance claim settlement process, there’s no need for you to settle the hospital bill on your own, provided you avail the treatment at a network hospital (a hospital having a tie-up with the insurer).
The insurer will take care of the covered expenses by settling the bill directly with the hospital.
You will be required to pay only the amount that’s not covered by the policy. That’s it!
If you opt for the cashless claims process, you can avail of the treatment without worrying about making an upfront payment or thinking about documentation.
ACKO covers medical expenses incurred for treating monkeypox as per respective policy wordings of the available policies such as Arogya Sanjeevani, ACKO Health Insurance, and Group Medical Insurance (GMC). In case of queries, please write to [email protected].
First COVID-19 and now monkeypox. New viruses and diseases are tormenting the world. Such outbreaks, coupled with the hazards of modern living, are bound to impact people’s health in a negative way.
While eating right, exercising regularly, and maintaining an active lifestyle can help avoid health scares, a wide-ranging health insurance policy can come in handy regarding receiving timely financial assistance if, unfortunately, you need medical help.
In these modern times, you need a modern insurer. Here are some things to keep in mind while picking the right health insurance company.
Choose a digital-first insurer for a hassle-free insurance experience.
Check if the insurer allows raising claims via a mobile app.
The offered policies must have the right balance of coverage, services, and premium.
Pick an insurance provider that does not limit the coverage in the form of sub-limits and other such clauses.
Lastly, have a look at online reviews to see how the insurer is performing regarding serving the policyholders.
ACKO Health Insurance ticks all the boxes when it comes to being the right insurance company based on the above points.
Here’s a list of common queries and their answers related to monkeypox and health insurance in India.
No, as of 16 August 2022, there is no dedicated monkeypox health insurance plan in India. Since it is an infectious disease, its expenses should be covered under a commonly purchased regular health policy as per applicable terms and conditions.
Yes, ACKO’s policy with Rs. 1 crore sum insured covers medical expenses for treating monkeypox as per the applicable terms and conditions.
The best way to confirm if your health insurance policy covers monkeypox is to get it clarified from your insurer via email.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.