Dengue, a viral infection spread by mosquitoes, is caused by the dengue virus. The symptoms of dengue start 3-14 days after the infection and include headache, joint pain, vomiting and bleeding gums. Recovery time differs across cases. Usually, it is 2-7 days. The dengue virus consists of 4 separate serotypes, which include DENV1, DENV2, DENV3 and DENV4. Around 40% of the World’s population resides in regions where there is a high possibility of dengue transmission, including India.
As per National Health Profile 2018, the number of dengue cases increased to 1,88,401 in the year 2017 from 60,000 cases in the year 2009. Dengue can be cured. When a person is diagnosed with dengue, a doctor might ask him/her to show medical history and recommend a blood test on the basis of the diagnosis. When the patient is suffering from dengue hemorrhagic fever, the doctor might suggest IV fluids, BP monitoring and other related tests.
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When it comes to treatment costs, privately-managed hospitals have high charges. For platelet severance, patients have to pay Rs 10,000-15,000 in major hospitals. The cost comes around Rs 40,000-50,000 when a patient undergoes repeated transfusions. According to some of the experts in the insurance industry, the average cost of dengue treatment in non-metro cities is between Rs 25,000 to Rs 75,000 and in metro cities, it is between Rs 50,000- Rs 1,00,000.
See Also: What Is Health Insurance?
Apollo Munich Health Insurance offers dengue-specific health insurance policies which are sold via insurance brokers. Similarly, Aditya Birla Health Insurance promotes and markets dengue-specific policies via Bajaj Finserv.
See Also: Health Insurance Premium Calculator
Availing an exclusive health insurance policy for dengue, may be a good choice to be financially ready to battle the disease. It is a simple product with very low yearly premiums. A normal policy covers only inpatient medical expenses whereas a dengue-specific policy covers both outpatient and inpatient medical costs.
As many people expect outpatient expenses to be covered, the disease-specific policy is more useful as it eases financial burden and protects the no-claim bonus (NCB) on your health insurance plan. Some people feel buying a disease-specific cover is not a good idea. They think the medical expenses are manageable in several cases. In lieu of paying extra premiums, one can consider buying a regular cover or extending the sum assured for an existing cover.
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