Is dengue covered in health insurance?

Vote: 1

Yes, dengue fever is covered in some health insurance policies in India. However, the range of coverage can vary from policy to policy. Health insurance for dengue can provide financial protection by reducing your medical burden. It is advisable that individuals staying close to dengue-risk areas should pick health insurance for dengue.


What is dengue insurance coverage?


A dengue insurance policy refers to a policy that covers health expenditure associated with dengue fever, such as hospitalisation, home nursing expenses, diagnostic tests, and more.


What’s covered in dengue health insurance?



  • In-patient hospitalisation costs

  • Pre-Hospitalisation expenses

  • Post-hospitalisation expenses

  • Doctor’s consultation

  • Outpatient consultation costs

  • Diagnostic tests expenses

  • Home care doctor visits

  • Pharmacy expenses

  • Ambulance Charges


What’s not covered?


Here are the exclusions:



  • Day care expenses(not in all plans)

  • Domiciliary hospitalization

  • Any treatment or medicine price that is not needed to cure dengue fever

  • Treatments held outside the country

  • Unproven treatment


Dengue-Specific Insurance Plans


In India, many health insurance companies provide plans for dengue treatment. Such policies offer:



  • Lump sum payout on diagnosis of dengue

  • Coverage for hospitalisation and OPD costs

  • Affordable premiums

  • Quick and hassle-free claim settlement rate


How can you select a dengue insurance policy?


Check for the following things before buying a dengue insurance policy:



  1. Scope of Coverage: Before finalising, ensure the health insurance policy covers dengue; if it does not, check what else it offers.

  2. List of Network hospitals: Find out if the insurer has hookups with hospitals or clinics that will ultimately provide dengue treatment.

  3. Claim Settlement Ratio: Go for the insurer that offers a high claim settlement rate. In addition, also check the documents required while submitting a claim.

  4. Exclusions and limitations: Be aware of the limitations, if any, before making a decision.

  5. Free look period: Go for a company that offers a time period to review the policy; besides that, it also gives you the option to cancel it anytime.


Final Thoughts


Dengue is covered under many health insurance plans in India, be it regular health insurance or specialised dengue/vector-borne disease policies.