The Ultimate Guide to Choosing Health Insurance with Dengue Treatment Cover

Dengue fever is a vector-borne disease, common in several countries including India. It spreads through the bite of Aedes Mosquitoes. According to the Centers for Disease Control and Prevention (CDC), around 400 million people in the world get infected by dengue every year. The disease starts as an acute viral infection and may lead to severe complications. Proper medical care is, therefore, crucial for the treatment of dengue. In India, the treatment of this disease can cost up to Rs 5 Lakh. Hence, opting for health insurance policy that covers dengue treatment should be a priority for everyone. 

It is during the rainy months when the risks of vector-borne diseases become high. ‘Prevention is better than cure’. That is why one should take suitable health care measures to prevent a viral infection. It is also a sensible idea to prepare oneself financially by choosing a health cover. ‘Care’ by Care Health Insurance (Formerly Religare Health Insurance) is a comprehensive health policy that will provide coverage for various vector-borne diseases, including dengue.

Here we share the key features and benefits of this health insurance plan

Features and Benefits of Dengue Health Insurance

Choosing health insurance for dengue treatment will keep you financially safe by covering a range of medical expenses arising due to the treatment. Mentioned below are some of the key features and benefits:

• Offers coverage, up to the sum insured, for in-patient care expenses that include room charges, ICU charges, doctor’s fee, surgeon’s fee, etc. 
• Day care treatment cover which includes medical procedures that do not require a hospital stay for a minimum of 24 hours
• Cover for pre hospitalisation medical expenses for a specified period, that is, 30 days before hospitalisation
• The policy covers post hospitalisation medical expenses for 60 days after the insured person is discharged from the hospital
• Cover for ambulance up to a specified amount per hospitalisation
• Specified coverage if the insured person avails alternative treatment at a recognised healthcare centre

The policy also provides benefits such as automatic recharge, no claim bonus, and annual health check-up, which offer the vital safety cushion for a family. Also, the policyholders can avail of add-on benefits such as international second opinion, global coverage, reduction in PED wait period, etc. and the premium rates will vary accordingly.  

Tips for Opting for Health Insurance for Dengue Treatment

Before opting for a health policy with dengue insurance cover, consider the following points that will help you make the best decision for your family. 

• Sum Insured: The treatment costs for dengue fever may vary depending on various factors, including the severity of the condition. Hence, you must keep in mind the estimated medical expenses and opt for the right sum insured. 
• Policy Tenure: There are tenure options of 1, 2, and 3 years. You can look forward to discounts by choosing longer tenure options. 
• Individual and Family Floater Plans: You can choose a cover on an individual or floater basis, depending on your requirement.
• Cashless Treatment: By choosing a health plan with dengue insurance cover, you can avail of cashless medical treatment at any of the network hospitals of the insurer, using a health card. Make sure you have checked the list of network hospitals.  

Besides the points mentioned above, it is also vital for the policyholders to read the policy documents carefully. It will help them to understand more about the policy features, waiting period, sub-limits, and exclusions. 

Health is your most vital asset; it is time you make the right efforts to safeguard it. Opt for a health insurance policy today. Visit the official website of Care Health Insurance (Formerly Religare Health Insurance) to know more about the policy and claims procedures. 

*Note: Underwriting of insurance claims for vector-borne diseases is subject to policy terms & conditions. Please read the sales prospectus for more details.