dengue insurance
Dengue Insurance

What is Dengue Insurance?

Dengue Insurance is a pocket-sized insurance policy available to cover the costs of medical treatment for dengue infection. If you are diagnosed with the disease, the plan offers financial support to the insured, allowing them to pay medical expenditures incurred as a result of dengue treatment. As dengue fever is not covered under standard health insurance policies, it’s a critical illness policy.

Why Is Dengue Insurance Important?

The threat of vector-borne infections is greatest during the rainy season. Waterlogging is created by nonstop rains that form an ideal atmosphere for the hatching of Aedes mosquitoes. While some people recover from dengue fever or experience only minor symptoms, the disease can prove fatal for others.

Dengue fever infects roughly 400 million individuals worldwide each year, according to the Centers for Disease Control and Prevention (CDC). Dengue fever is a viral virus spread by mosquitoes and has been a life-threatening concern to human beings since the 1950s. Without any proper medical care, the disease can lead to various severe or life-threatening complications. As the blood platelet count goes down drastically, the situation may necessitate hospitalization for an extended period of time, which may further lead to a major financial burden.

Therefore, in order to cover the costs associated with dengue illness, various insurance companies have started offering dengue cover as a stand-alone policy. One can easily tackle the financial expenses occurring out of the medical treatments of the disease, which would otherwise cost up to Rs. 5-6 lakhs. Keeping in mind the risk factors during the rainy seasons and the skyrocketing medical expenses, having a Dengue Health Insurance policy must be a priority for everyone.

Health Insurance Plans Available For Dengue

Name of Plan Waiting Period Insured Amount Entry Age Coverage Type
Bajaj Allianz M-Healthcare Insurance: The Bajaj Allianz M-Care Health Insurance is meant to cover the costs of treating vector-borne diseases, such as Dengue and Malaria. 60 days From Rs. 10,000 to Rs. 75,000 18-65 Years Family Floater
Future Generali Vector Care: This is a dengue care family health plan that pays a lump sum amount if a vector-borne illness (such as Dengue, Malaria, Chikungunya, etc.) is diagnosed. 15 Days From Rs. 10,000 to Rs. 75,000 1 Day to 65 Years Family Floater
HDFC Ergo Health Dengue Care Plan: Only one dengue-specific plan is available, and it is offered by HDFC Ergo Health Insurance. It is a comprehensive health plan that covers you and your family. 15 Days From Rs. 50,000 to Rs. 1 Lakh For Adults: 18 to 65 Years For Children: 91 Days to 25 Years Individual Sum Insured Based on Up to 6 Members

What Are the Salient Features of a Dengue Insurance Plan?

Choosing the right Dengue Insurance plan protects you as well as your loved ones from the health risks and financial burdens of the treatment. Although there are many features of a Dengue Insurance plan, mentioned below are the key ones:

  • What’s the Waiting Period?

When purchasing a specific health insurance coverage for the first time, there is usually a waiting period. A policyholder cannot file a claim against his or her health insurance coverage during the waiting period.

According to the terms and conditions of several dengue coverage providers, a minimum waiting period of 15 days is applicable from the starting date of the plan. This simply means that the insurance company shall not be liable for any claim occurring due to the dengue treatment within 15 days from the date of the policy’s commencement. The details of the same will always be mentioned on the policy details of the respective insurance company.

  • Multiple Payment Options!

Customers nowadays prefer to have a variety of payment options when purchasing a health insurance policy. Insurance companies that only accept one type of payment are considered archaic.

Therefore, Dengue Insurance providers are offering the most up-to-date solutions and providing their clients with a variety of payment options. This has made it quite easier and convenient for the policyholders to pay premiums through multiple options, such as credit cards, debit cards, mobile wallets, UPI, and online account transfers.

  • Want to Renew the Plan? – Check Out Its Renewal Conditions!

While renewing a Dengue Insurance policy, the following conditions should be checked out:

    • Renewable for Life: Unless the Insured Person or anyone acting on behalf of an Insured Person has acted improperly, deceitfully, or unlawfully, Dengue Insurance policy is usually renewable for life. The policy is also applicable if there is any kind of misinterpretation associated with the policy and there exists a moral risk in relation to the policy.

    • Grace Period: On a general basis, there is a 30-day grace period for renewing the policy. In order to avoid any misunderstanding, any claim made during the break-in period is not covered by the insurance plan.

  • What’s the Premium Range?

On the basis of the sum assured, insurer, inclusions, exclusions, and benefits, the premium range is calculated. Usually, the range is from Rs. 49 to Rs. 682. The term of the policy is on an annual basis.

  • How Much Is the Sum Insured?

The amount of sum insured under a Dengue Insurance plan is for an individual, not for a group. Thus, every individual covered under the plan has a separate sum insured based on their premium amounts. While the minimum sum insured can be Rs. 10,000, maximum can easily hit Rs. 1 lakh.

  • What Are the Age Criteria?

The eligibility criteria for the policy ranges usually as follows:

    • Minimum Age: 91 days (for a minor), 18 years (for an adult)

    • Maximum Age: 25 years (for a child), 65 years (for an adult)

Most of the Dengue Insurance policies exclude anyone under the age of 18. The maximum age at which you can purchase this plan is 65 years old. Thus, for your senior citizen parents under the age of 65, a Dengue Insurance policy can be purchased.

  • Review & Decide in ‘Free Look Period’!

Under the Dengue Insurance plan, many insurance companies provide a Free Look Period of around 15 days. This period is given to the insured individual to review the inclusions, exclusions, terms and conditions of the policy. The insured person can decide after reviewing whether or not to continue with the policy.

If you disagree with any of the terms and conditions, you are allowed to cancel the policy by declaring your reasons for cancellation, and your premium amount will be restored to you.

  • What Are the Cancellation Conditions?

In case there exist incidences of non-disclosure, dishonest acts, misinterpretation, and fraudulent claims, the Dengue Insurance policy is terminated from the date of inception or renewal. Generally, a 30-day notice is sent to the insured person at his/her address and no refunding of the premium amount is done.

In case you want to terminate the policy, you can do it by giving either an online or written notice to the insurance company. The cancellation will be done from the date of receipt of the written notice and the premium amount will be refunded accordingly, only and only if zero claims have been made under the policy.

What Benefits Dengue Insurance Plan Brings to You?

The following benefits are provided to all the Insured Individuals who are registered under the Dengue Insurance plan:

  • Does the Patient Require to Stay in The Hospital? – Check Out the Inpatient Benefits!

Inpatient benefits under the plan typically include hospitalization costs for durations of 24 hours or more, as well as pre-hospitalization charges (medical expenses occurring before admitting the patient) and post-hospitalization medical expenses.

  • Leverage the Outpatient Benefits

Outpatient care doesn’t require the patient to stay in the hospital for treatment. It includes fees for general medical consultations, medications for dengue treatment, home nursing, diagnostic tests (in case you are positive for dengue), and other necessary medical treatments received by the insured person.

  • Doesn’t Break Your Bank!

Dengue treatment can drain out your years of earnings within a few minutes and can lead to medical debt. With a proper Dengue Insurance plan, you can avoid such financial conditions and make yourself financially prepare for the medical exigencies.

When purchasing a Dengue Insurance policy, you might check whether or not its premium rates are affordable. With around Rs.300 per annum, you can get coverage of up to Rs. 50,000. As already mentioned, the premium ranges can be from Rs.49 to Rs.682 depending on your need. Therefore, Dengue Insurance policy provides you with flexible and cost-effective premium ranges without compromising with the coverage and features.

  • How About Having Some Tax Benefits?

The total amount used by a person to purchase or keep any medical insurance policy includes GST, which is paid on the premium amount. Under Section 80D of the Income Tax Act, the Insured Person can avail of the tax benefits.

For example, if you purchase a Dengue Insurance policy with Rs. 10 lakhs at the age of 29, you are required to pay a premium of around Rs. 7,900 and GST of Rs. 1500. This is because 18 percent of the GST is applied to the premium. Thus, we can say that you need to pay a premium of around Rs. 9,400. Under section 80D of the Income Tax Act, you can avail of the total premium amount of Rs. 9,400. The amount of tax savings deduction is limited by the investment limit outlined in the relevant provision.

  • Want Rewards Every Year? – Avail NCB!

The majority of insured individuals do not prefer to claim their Dengue Insurance during the first year after purchase. Sometimes, hospital bills are not so high or affordable and the policyholder may choose to pay out of his/her pocket. This makes him/her eligible for a no-claim bonus.

For every claim-free year, many insurance companies provide NCB (Non-Claim Bonus) to the insured by adding a bonus amount in the sum insured.

For instance, suppose you have a no claim Dengue Insurance with a sum insured of Rs. 6 lakhs. The insurance company is providing you with a 5% cumulative non-claim bonus for every claim-free year.

Therefore,

After the 1st claim-free year, the sum insured will be Rs. 6,30,000.

After the 2nd claim-free year, the sum insured will be Rs. 6,60,000.

And so on!

Thus, for every claim-free year, there will be an increase in the sum insured every year. It is similar to a reward given to the policyholder for not filing a claim on his Dengue Insurance.

  • Get Checked by Health Professionals Annually

The majority of health insurance companies provide the benefit of annual health check-ups to their customers.

This allows policyholders to assess their current medical status and suggests to them if they are at any risk of an illness. This benefit also provides recommendations to take preventive measures for maintaining a healthy lifestyle.

  • Want to Add on Something More? – Various Add-Ons Are Here!

Dengue Insurance plan also comes with various add-on benefits, such as global coverage, ambulance coverage, reduction in the waiting period, international second opinion, and specified coverage, to name a few.

These add-ons are more like optional or additional coverage that the insured person can take in addition to the base policy. Add-on benefits go over and above the basic Dengue Insurance policy and play a pivotal role in offering that much-needed extra protection, that too, at a nominal price.

What’s Covered Under the Dengue Insurance Plan?

In comparison to a normal health insurance policy, Dengue Insurance has more extensive coverage.

  • In-Patient Hospitalization Expenses: In case the insured person needs to stay in the hospital for more than 24 hours, the hospitalization expenses will be covered. It includes room rent, ICU charges, transfusion charges, etc.

  • Pre-Hospitalization Expenses: The expenses (such as medicines, consultation fees, investigation charges, etc.) occurring up to 15 days before admitting the insured person to the hospital.

  • Post-Hospitalization Expenses: The expenses (such as doctor’s consultation fees, medical bills, pharmacy bills, etc.) occurring up to 15 days after the insured person is discharged from the hospital.

  • Diagnostic Tests: The expenses occurring out of diagnostic tests before or during hospitalization of the insured person will be covered under the policy.

  • Medicine Expenses: The expenses arising out of pharmacy bills during, before, and after the hospitalization of the insured person.

  • Doctor’s Consultation Fees: The doctor’s consultation fees arising during, before, and after hospitalization will be covered.

  • Outpatient Expenses: The outpatient expenses, such as outpatient consultation fees, diagnostic tests, treatment expenses, home nursing, pharmacy expenses, etc. will also be covered under the policy.

Exclusions

  • Hospitalization Expenses Within the First 15-30 Days: In case the insured person is hospitalized due to Dengue within the first 15 to 30 days of the policy period, the hospitalization expenses will not be covered.

  • Pre-Existing Dengue Illness: In case the insured person is hospitalized for the treatment of Dengue before the commencement of the policy, the hospitalization expenses will not be covered.

  • Any Other Illness: No other illness except Dengue is valid for claiming the policy. This simply means that the treatment costs of any other disease than Dengue is not applicable.

  • Unauthorized Treatment: In case the insured person has taken treatments from an unauthorized institution or health professional, the treatment will not be covered.

  • Treatments Availed Outside the Country: In case of Dengue treatment is seized outside the terrestrial limits of the country, the policyholder cannot claim against the policy.

What to Check Before Choosing Health Insurance for Dengue Treatment?

There is no denying the fact that a right Dengue Insurance plan can help you as well as your family members in medical emergencies. However, before choosing any Dengue Insurance plan, you must take into account the following factors:

  • How Much Is the Sum Insured?

Depending on the severity of the condition and various other factors, the costs of dengue treatment can skyrocket within a few days. Thus, you should always choose the best sum insured option while keeping in mind the estimated medical expenses for the dengue treatment.

  • Is My Family Covered?

The majority of insurance companies provide individuals with family floater plans to cover the expenses for the dengue treatment of any family member. In addition to your plan, you can add on a family floater to extend the protection to your family members. The floater can be chosen based on various requirements.

  • Is There a Cashless Treatment?

Medical emergencies can occur anywhere and anytime. Thus, having a cashless treatment is very important while purchasing a Dengue Insurance plan. It allows the insured person to avail cashless treatment for dengue in any of the network hospitals of the insurance company.

  • What’s the Policy Tenure?

Do you wish for a long-term tenure or a short-term one? Many insurance companies provide various tenure options, such as 1 year, 2 years, 3 years, etc. If you need you can choose long-term tenure options, that too, with attractive discount offers.

What’s the Claim Process?

  1. Notifying the Insurance Company

    • For Planned Treatments: In case the insured person is planned to be hospitalized due to dengue, the insurance company must be notified around 48 hours before the hospitalization.

    • For Emergency Treatment: In case the insured person needs to be hospitalized in an emergency for dengue treatment, the insurance company must be notified within 24 hours of the hospitalization.

    • For Reimbursement: In case the insured person needs reimbursement for the dengue treatment costs, the insurance company must be notified no later than 7 days of the completion of dengue treatment.

  1. Filling the Claim Form: On behalf of the insured person, a duly filled and signed claim form must be submitted to the insurance company.

  2. Submitting Documents: In addition to the claim form, the insured person is required to submit a list of important documents for the claim process.

  3. Medical Examination: The insured person will then have to undergo a medical examination, which is usually done by the authorized medical practitioners of the insurance company.

  4. Evaluation: The claim documents are verified by the investigator and the health condition is evaluated for the admissibility of the claim.

  5. Settling the Claim: Once the medical examination is done and documents are verified, the insurance company will give a green signal to settle the claim. The claim payment will be made based on evaluation and verification done by the company.

What Are the Conditions for Making a Claim Against Dengue Insurance?

FOR CASHLESS CLAIM

  • One must notify the insurance company within 24 hours of emergency hospitalization of the insured person. In case there is a delay, the insurance company might reject the claim.

  • In case there is a planned hospitalization of the insured person, one must notify the insurance company at least before 48 hours of the hospitalization.

  • Only the insurance company has the power to either authorize or reject the letter.

REIMBURSEMENT CLAIM

  • One must notify the insurance company within 7 days after the dengue treatment has been completed. In case there is a delay, the insurance company might reject the claim.

  • For a reimbursement claim to begin, it is extremely pivotal to submit a claim form with other necessary documents mentioned on the claim policy of the company.

  • In case the company requires some more documents, the insured person must submit them or communicate with the insurance company within 7 days after the treatment.

What Are the Documents Required for Claim Process?

  • Duly filled and signed claim form

  • Original medical bills with details

  • Original reports, such as medical reports, treatment reports, investigation reports, etc.

  • Original discharge summary including the details of admission and discharge date, clinical history, treatment taken, etc.

  • Precise diagnostic report

  • Papers of indoor cases

Frequently Asked Questions

Most frequent questions and answers about Dengue insurance plan

1. How many members are allowed under the Dengue Insurance plan?

On a general basis, up to 6 individuals can be covered under the policy. This includes a maximum of 4 adults and 5 children.

2. How much is the amount covered under the Dengue Insurance plan?

The amount covered under the policy can range from Rs. 10,000 to Rs. 1 lakh.

3. Is there any need for medical examination to avail of the policy?

No. There is no need for any kind of medical examination to avail of the policy. One can have the benefits irrespective of age.

4. Is there any plan for family members under Dengue Insurance?

Yes. The policyholder can purchase a family floater plan along with an individual plan. It covers the immediate family members of the insured.

5. When can I change the sum insured?

Under the Dengue Insurance plan, the sum insured can be changed only during the renewal time. If done, the standard waiting period of 15-30 days will be applied fresh to the insured person.