Does Your Health Insurance Cover Skin Burns?

It is never a pleasant experience when you or your loved one gets burnt and undergo immense pain and trauma. Skin burns could give an unimaginably painful experience and may take time to heal according to the degree of burn one has to bear.  

Skin burns can cause blisters, red/peeling, or burnt skin if not treated promptly. The most common cause of burns and scalds in contact with a hot curling iron or oven or spilling hot liquid. While you cannot prevent accidental burns, you may protect yourself from the medical costs associated with them.

Here comes your health insurance policy into action! Burn coverage for Skin Burns ensures you are financially protected under such circumstances. 

Let’s learn about the classification of burns and how important it is to be covered for Skin Burns under a Health Insurance plan.

Classification of Burns and What They Look Like

Depending on how deeply and severely a burn penetrates the skin's surface, it is categorised as a first, second, and third-degree burn.

What Does First Degree Burn Look Like?  

Only the epidermis, or top layer of skin, is impacted by 1st degree burns. The burn site is painful, dry, and red; no blisters are present. For instance, a minor sunburn. Rare cases of long-lasting tissue injury typically involve changes in skin tone.

What Does Second Degree Burn Look Like?

Skin's epidermis and a portion of its dermis are both affected by second-degree burns. The burn site looks red, has blisters, and may look unpleasant and swollen.

What Does Third Degree Burn Look Like? 

The epidermis and dermis are destroyed by third-degree burns. The underlying bones, muscles, and tendons may be injured by third-degree burns. The burnt area looks scorched or white as the nerve endings get damaged and have no sensation. 

Burns that cover 10% of a child's body or 15% to 20% of an adult's body are regarded as serious injuries that necessitate hospitalisation and intensive rehabilitation.

Knowing the difference between first, second and third-degree burns will help you understand the severity of the burn more clearly.

How to Cover a Burn?

You will come across many home remedies to protect your burn, but you should always be careful as it may not give you the expected results and could worsen. So, always consult the medical expert after you get a burn. Your doctor will access the burn’s size and depth before cleaning it. After examining, he would clean the burn carefully and cover it with a sterile dressing or pad and a gauze bandage to keep it safe.

Importance of Health Insurance Coverage for Accidental Burns

Medical or surgical treatment is available for certain skin burns. While some treatments might be inexpensive, others might burn a hole in your pocket. Financial hardship may result from expensive treatments for skin burns. It seems sensible to buy health insurance that covers accidental skin burns and protects you financially in times of such contingency. 

A cover explicitly for skin burns can help you deal with costly treatment with multiple inclusions. These include in-patient hospitalisation cover, day-care treatment cover, pre and post-hospitalization medical expenses cover, cover for medical procedures, and more.

Final Thoughts

It becomes unimaginably distressing to arrange finances when there is an emergency that needs immediate attention. In case of skin burn accidents, one has to be rushed to the hospital without delay to avoid any infection or more pain. We at Care Insurance provide a specialised health insurance plan for critical illnesses; an easy-to-acquire individual and family health indemnity plan that covers 32 critical illnesses pre-defined in the policy, including major burns. If  there is any accidental burn that needs immediate hospitalisation, you would at least have something to back you up financially while you are enduring the immense pain. Buy Critical Illness Insurance and cover yourself today!

>> Also Read: Boost Health Care Cover without Additional Cost on Premium

Disclaimer: The above-mentioned information is for reference purposes only. Refer to your policy documents for more details on Burns.