Health Insurance For Dengue

Rising Need for Dengue Health Insurance in India

Dengue is a rapidly spreading mosquito-borne disease that continues to affect thousands in India every year. As medical costs rise and outbreaks become more common during monsoon season, it's essential to have a financial safety net in place. Dengue health insurance from Bajaj Allianz General Insurance Company offers comprehensive protection against the expenses associated with diagnosis, treatment, and hospitalisation. With benefits such as cashless claims, preventive check-ups, and outpatient coverage, Bajaj Allianz General Insurance Company ensures you stay physically and financially protected in the face of dengue.

What is Dengue? 

Dengue is a viral infection caused by the dengue virus, transmitted to humans through the bite of an infected Aedes Aegypti mosquito. It is revealed through symptoms like high fever, severe headache, muscle pain, fatigue, and skin rashes. In some cases, it can escalate to life-threatening complications like dengue hemorrhagic fever or dengue shock syndrome. There is no specific antiviral treatment for dengue, making early diagnosis and supportive care crucial. Health insurance from Bajaj Allianz General Insurance Company provides critical financial coverage to manage treatment effectively. 

Benefits of Health Insurance That Covers Dental Treatments

With the increasing prevalence of dengue across India, securing a dengue-specific health insurance plan is more important than ever. Here are some key benefits of purchasing Bajaj Allianz General Insurance Company’s Health Insurance Policy:

Comprehensive Family Coverage:

A floater policy extends coverage to the proposer, spouse, dependent children, and dependent parents.

Cashless Treatment:

Access to cashless facilities at network hospitals, subject to authorisation and policy limits, for convenient treatment.

Online Purchase Savings: 

Enjoy a 20% savings on the premium when purchasing the policy directly from the Bajaj Allianz General Insurance Company’s website.

Lifetime Renewal: 

Benefit from lifetime renewal, ensuring continuous coverage throughout your life.

Free Look Period:

A 15-day free look period allows you to review the policy and make informed decisions.

Flexible Sum Insured: 

Choose from a range of sum insured options, from a minimum of INR 10,000 to a maximum of INR 75,000, to suit your specific needs.

Financial Safety Net:

This policy ensures that you are financially secure during medical emergencies that are caused by vector-borne diseases.

Types of Dengue Fever

Dengue presents itself in multiple forms, each varying in severity. Understanding these types can help in timely diagnosis and effective treatment:
1. Mild Dengue Fever: This is the most common and manageable form, characterised by high fever, headache, muscle and joint pain, and mild rashes. It typically resolves with symptomatic treatment and hydration.
2. Dengue Hemorrhagic Fever (DHF): A more severe form that causes bleeding from the nose and gums, a sudden drop in platelet count, and leakage of plasma from blood vessels. DHF often requires hospitalisation and careful monitoring.
3. Dengue Shock Syndrome (DSS: This is the most dangerous form, leading to shock, extremely low blood pressure, organ failure, and sometimes death. Immediate medical intervention and ICU care are usually required.

Bajaj Allianz General Insurance Company’s health insurance plans are structured to support treatment across all forms of dengue, helping policyholders tackle the illness without financial stress.

Causes of Dengue

Dengue is caused by the dengue virus, which belongs to the Flaviviridae family and has four distinct serotypes (DENV 1–4). The virus is primarily transmitted to humans through the bite of an infected female Aedes Aegypti mosquito. These mosquitoes breed in stagnant water and are most active during the early morning and late afternoon. Once infected, a person can become a carrier, potentially spreading the virus through additional mosquito bites.

Cost of Dengue Testing and Treatment

The cost of managing dengue in India can vary depending on the severity of the infection and location. A standard dengue diagnostic test, such as the NS1 Antigen or IgM/IgG antibody test, typically costs between INR 250 to INR 600. However, if the condition worsens and hospitalisation is required, the treatment costs can range from INR 5,000 for mild cases to over INR 5,00,000 in severe cases involving intensive care, platelet transfusions, and extended stays. These expenses can strain a family's finances, especially during dengue outbreaks. That’s why having a reliable health insurance plan like Bajaj Allianz General Insurance Company’s Health Insurance Policy becomes essential. It helps cover these medical costs, offering financial relief and peace of mind during medical emergencies.

Dengue Diagnosis

Early and accurate diagnosis is key to managing dengue effectively. Several medical tests help confirm the presence of the dengue virus in the bloodstream:

●      NS1 Antigen Test: Detects the presence of dengue virus proteins. It is effective in the early stages, usually within 1–2 days of symptom onset.

●      IgM and IgG Antibody Tests: These tests identify antibodies the body produces in response to the virus. IgM appears during early infection, while IgG indicates past infection or secondary infection.

●      PCR Test (Polymerase Chain Reaction): This is a molecular test used to detect viral RNA and confirm the presence of the dengue virus.

●      Complete Blood Count (CBC): Helps monitor platelet count and hematocrit levels, which are crucial in managing severe dengue.

Dengue Treatment

There is no specific antiviral treatment for dengue. Instead, management focuses on alleviating symptoms and maintaining proper hydration. Treatment generally includes:

●      Fluid Replacement: Oral rehydration solutions or intravenous fluids are used to prevent dehydration.

●      Fever and Pain Relief: Paracetamol is used to reduce fever and manage pain. Aspirin and ibuprofen should be avoided as they can worsen bleeding.

●      Monitoring Platelets and Vitals: Regular blood tests are essential to track platelet count and hematocrit levels.

●      Hospitalisation: Severe cases require hospitalisation, where patients may receive oxygen and platelet transfusions or be moved to the ICU if necessary.

Having a dengue-specific health insurance plan from Bajaj Allianz General Insurance Company ensures that all aspects of treatment, from OPD visits to critical care, are covered. It allows patients to focus on recovery instead of worrying about the cost of care.

Home Remedies for Dengue Treatment 

While professional medical treatment is essential for dengue, certain home remedies can aid faster recovery and provide relief from symptoms. These remedies should complement, not replace, your prescribed treatment plan.

●      Papaya Leaf Extract: Often used to boost platelet count, papaya leaf juice is rich in enzymes that support blood health.

●      Fenugreek (Methi) Tea: Acts as a natural pain reliever, helps reduce fever, and promotes relaxation.

●      Coconut Water: A natural electrolyte, it helps prevent dehydration and replenishes lost minerals.

●      Neem Leaves: Known for their antiviral properties, neem leaves may help fight infection and detoxify the body.

●      Kiwi and Dragon Fruit: Rich in Vitamin C, these fruits help strengthen immunity and increase hemoglobin levels.

●      Pomegranate Juice: Enhances blood circulation and maintains energy levels.

These natural remedies can help manage symptoms and support immune function. However, hospitalisation and constant monitoring may be necessary for moderate to severe dengue cases. With health insurance offered by Bajaj Allianz General Insurance Company, you can ensure that professional treatment is within reach while you follow supportive remedies at home.

Dengue Prevention 

Prevention is the most effective cure for dengue. Since dengue is spread by mosquitoes, adopting proactive hygiene and environmental practices can significantly lower your risk of infection.

●      Avoid Stagnant Water: Eliminate standing water from containers, plant pots, old tires, and coolers—prime breeding grounds for mosquitoes.

●      Use Mosquito Repellents: Apply skin-safe mosquito repellents, especially during early morning and evening hours when mosquitoes are most active.

●      Wear Protective Clothing: Long-sleeved shirts, long pants, socks, and shoes help minimise skin exposure.

●      Install Mosquito Nets and Screens: Use bed nets while sleeping and ensure windows and doors are fitted with mesh screens.

●      Use Insecticides and Fumigation: Spray indoor and outdoor areas with insect repellents to reduce mosquito populations.

●      Stay Indoors During Outbreaks: Limit outdoor activities during dengue outbreaks in your area.

Following these prevention strategies, especially during the monsoon season, can drastically reduce your chances of contracting dengue.

Conditions for Making a Claim Against Dengue Health Policy 

To claim benefits under a Bajaj Allianz General Insurance Company’s Health Insurance policy, the following conditions typically apply:

●      The insured must be diagnosed with dengue fever by a certified medical professional.

●      Claims must be filed within the time frame specified in the policy terms.

●      All original documents must be submitted, including diagnostic reports, hospital bills, discharge summaries, and prescriptions.

●      The treatment must be covered under the policy (either inpatient or outpatient).

●      Adherence to the policy's specified timeframe for claim submission is mandatory.

Following the claim process accurately ensures swift reimbursement or approval of cashless services.

Is Dengue Covered in Health Insurance?

Yes, Bajaj Allianz General Insurance Company in India typically covers dengue under M Care Health Insurance. This policy ensures financial protection during hospitalisation and treatment related to dengue. Coverage includes access to cashless facilities at network hospitals, subject to authorisation and policy limits. It also allows for reimbursement claims if treatment is received at non-network hospitals or if pre-authorisation is denied.

The policy emphasises comprehensive benefits from diagnosis to recovery, highlighting its focus on supporting policyholders through dengue-related medical emergencies.

Eligibility Criteria for Dengue Health Insurance Plan

Eligibility for the Dengue Health Insurance Plan typically requires applicants to fall within a specified age range, often from infancy to 65 years. The plan may cover the proposer, spouse, dependent children, and parents. Proof of age and relationship may be required during enrollment.

Documents Required to Buy Dengue Health Insurance Plan

●      A completed and signed claim form, along with a signed NEFT form for direct bank transfer.

●      A copy of the discharge summary or discharge certificate from the hospital.

●      Attested copies of indoor case papers (if available).

●      A copy of the final hospital bill.

●      All relevant investigation reports.

●      A medical certificate from a specialist.

●      Copies of your Aadhaar and PAN cards, as per IRDAI guidelines.

●      Additional documents may be requested if fraud is suspected.

What is Covered Under Dengue Health Insurance? 

Here is a list of coverage benefits of dengue health insurance:

Medical treatment

Dengue health insurance provides coverage for medical treatment, including hospitalization expenses, doctor consultation fees, diagnostic tests, and medication costs.

Hospitalization 

In most cases, the policyholder needs to be hospitalized for at least 24 hours to avail of the coverage.

Outpatient treatment 

Dengue health insurance also covers the cost of outpatient treatment. This includes expenses incurred on diagnostic tests, doctor consultation fees, and medication costs for mild cases of dengue fever that do not require hospitalization.

Sum insured 

The amount of coverage varies from insurer to insurer and depends on the sum insured chosen by the policyholder.

Additional benefits 

Some insurers also offer additional benefits such as daily cash allowances and coverage for ambulance charges. Apart from hospitalization expenses, dengue health insurance also covers the cost of outpatient treatment. This includes expenses incurred on diagnostic tests, doctor consultation fees, and medication costs for mild cases of dengue fever not requiring hospitalization.

What are the Exclusions of this Health Policy?

While dengue health insurance provides coverage for medical treatment, it also has certain exclusions policyholders should be aware of. These exclusions vary from insurer to insurer and may include the following:

Pre-existing diseases 

If the policyholder is suffering from dengue fever or any other pre existing disease at the time of purchasing the policy, the insurer may not provide coverage for the same.

Non-allopathic treatment

If the policyholder opts for non-allopathic treatment for dengue fever, such as homeopathy or Ayurveda, the insurer may not provide coverage for the same.

Age limit

Some insurers may have an upper age limit for availing dengue health insurance coverage.

Geographical limitations

Some insurers may provide coverage for dengue fever only in specific geographical locations where the disease is prevalent.

Why Choose Bajaj Allianz Dengue Health Insurance?

Bajaj Allianz General Insurance offers comprehensive coverage for dengue under its M-Care health insurance policy. With benefits like cashless hospitalisation at 18,400+ network hospitals, coverage for pre/post-hospitalization, modern treatment techniques, and preventive check-ups, you are well-protected. The company’s high claim settlement ratio and customer-centric service ensure you receive prompt assistance during medical emergencies.

How Much Dengue Health Insurance Plan Coverage Should You Have?

For dengue, health insurance, aim for at least INR 75,000 coverage, especially in high-risk zones. While INR 10,000 is the minimum, higher coverage is advisable. Consider your age and any pre-existing conditions, as these can influence treatment costs.

Things You Should Know Before Buying Dengue Health Insurance 

Here are a few things you should know before buying dengue health insurance:

Included or Add-on?

Not all health insurance policies cover dengue fever. Some insurance providers offer dengue coverage as an optional add-on, while others provide it as part of their standard policy. Therefore, it is important to check the policy documents and understand the coverage offered before purchasing a health insurance policy.

Waiting Period

Most health insurance policies have a waiting period of 30 days before coverage for dengue fever becomes effective. This waiting period is intended to prevent people from purchasing insurance after contracting the illness and claiming benefits immediately. Therefore, it is important to purchase health insurance well in advance of the dengue season to ensure coverage is in place when needed.

Sub-Limits

Even if a health insurance policy covers dengue fever, it may have sub-limits on the amount payable for treatment. This means that the policy may only cover a portion of the total medical expenses incurred. Therefore, it is important to understand the sub-limits associated with any option amongst the types of health insurance .

Pre-Existing conditions

Some health insurance policies exclude coverage for pre-existing conditions, including dengue fever. Therefore, if an individual has a history of dengue fever, it may be challenging to obtain coverage for the illness. It is essential to check the policy documents and understand any exclusions before purchasing a policy.

Outpatient Treatment

Some health insurance policies cover outpatient treatment for dengue fever. It can include diagnostic tests, consultations with doctors, and medication. However, outpatient coverage is typically subject to sub-limits, and not all policies include this benefit.

Cashless Hospitalization

Many health insurance policies offer cashless hospitalization facilities for the treatment of dengue fever. This means the policyholder can receive treatment at a network hospital without having to pay upfront. The insurance provider settles the bill directly with the hospital, subject to the policy limits and conditions.

How to Buy a Dengue Health Insurance Plan Policy Online?

Here's how to buy a Bajaj Allianz General Insurance Company’s M-Care Dengue Health Insurance Plan online:

●      Go to M-Care: Find the M-Care Health Insurance section.

●      Select Coverage: Choose your desired sum insured amount.

●      Policy Type: Select individual or family floater policy.

●      Fill Form: Complete the online proposal form with accurate details.

●      Upload Documents: Upload required verification documents.

●      Secure Payment: Make a secure online payment.

●      Download Policy: Instantly download your policy documents.

How to Renew a Dengue Health Insurance Plan Policy Online? 

●      Log in to your Bajaj Allianz account

●      Go to 'Renew Policy'

●      Enter policy details and generate a renewal quote

●      Verify details and pay premium

●      Download the renewed policy document

How to File a Dengue Health Insurance Claim? 

Cashless (Network Hospitals):

●      Pre-authorise planned treatment via written request.

●      Notify within 24 hours for emergency hospitalisation.

●      Await response within two hours.

●      Approved claims are settled directly with network hospitals.

●      Present an authorisation letter and ID card at admission.

Reimbursement (Non-Network/Denied Cashless):

●      Notify in writing within 48 hours of diagnosis.

●      Consult a doctor and follow treatment.

●      Comply with any requested medical examinations.

●      Submit all documents within 30 days of diagnosis/discharge.

●      The claim amount is subject to policy limits.

Claim Process and Documentation

To claim benefits for dengue fever, policyholders must follow the claim process and submit the required documentation. The process may vary between insurance providers, but typically involves notifying the insurer of the claim, providing medical bills and reports, and completing claim forms. It is essential to follow the claim process accurately to ensure the claim is processed promptly.

Cost of Dengue Health Insurance

The cost of dengue health cover varies between insurance providers and policy types. The premium for dengue coverage is typically higher than the premium for a standard policy. However, the cost of dengue coverage may be worth the investment considering the high medical expenses associated with this illness.