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Does Health insurance cover Monkeypox in India?

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Home / Health Insurance / Does Health insurance cover Monkeypox?

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.

Is monkeypox covered under a health insurance policy in India?
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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.


Understanding monkeypox
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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.


Monkeypox coverage in health insurance
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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

Monkeypox and travel insurance
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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.

How to raise health insurance claims for monkeypox
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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.

Reimbursement claims
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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. 

Cashless claims
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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.

Does ACKO Health Insurance cover monkeypox?
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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].

Choose your insurer wisely
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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.

ACKO Health Insurance ticks all the boxes when it comes to being the right insurance company based on the above points.

Frequently Asked Questions (FAQs)
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Here’s a list of common queries and their answers related to monkeypox and health insurance in India.

Do all health insurance policies cover monkeypox?


Standard health insurance policies, such as an Individual Policy, should cover monkeypox as per the applicable terms. However, all health insurance policies might not cover expenses incurred for treating monkeypox; there might be some exceptions. It’s best to confirm the same with your insurer.

Is there a dedicated monkeypox health insurance plan like a Corona Kavach policy?


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.

Does ACKO’s policy with Rs. 1 crore sum insured cover monkeypox?


Yes, ACKO’s policy with Rs. 1 crore sum insured covers medical expenses for treating monkeypox as per the applicable terms and conditions.

How can I confirm if my health insurance policy covers monkeypox?


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.