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Health Insurance for Swine Flu Research Team | Posted On Monday, August 12,2019, 04:22 PM

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Health Insurance for Swine Flu



The year 2019 began with the spread of swine flu across India. More than 225 cases were reported in Rajasthan between 1st January and 7th February 2019. In other states like Uttar Pradesh, Telangana, Maharashtra, Gujarat, Himachal Pradesh and Punjab, swine flu cases were reported during the same period.

George Fernandes, a journalist, was suffering from swine flu before he passed away on 29th January 2019. In mid-January this year, Amit Shah, the BJP President and Home Minister, was also diagnosed with HIN1 influenza and hospitalized in Delhi.

Swine flu or swine influenza is a respiratory illness; triggered by the influenza virus. The symptoms include cough, chills, headache, fatigue, vomiting, fever, sore throat and so on. Usually, it takes 1-3 weeks to recover from the disease.

What about costs? The treatment costs can go up to Rs 50 Lakh in extreme cases as hospitalization is for a longer period. Is this not expensive? Yes, it is. Instead of falling in financial difficulty, availing an exclusive health insurance policy for swine flu is a good idea.

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See Also: Can I Use Health Insurance Immediately?

Health insurance for swine flu

Mediclaim Policies to Cover Swine Flu          

Swine flu is a treatable disease. However, prevention is better than cure. Medical practitioners ask you to stay clean and avoid public places. Cover mouth and nose while coughing or sneezing, wash hands frequently, and avoid reusing the face mask and touching the nose or the mouth.

Even after taking precautions, if you or loved ones get diagnosed with swine flu, health insurance comes to your rescue. Insurance companies like Bajaj Allianz, ICICI Lombard, Star Health and ManipalCigna offer health insurance policies that cover swine flu.

See Also: Buy Health Insurance for Injury

ICICI Lombard Rishtey Health Insurance covers H1N1/swine flu

This is a comprehensive health insurance policy for senior citizens. It covers self, spouse and children. The policy pays for airfare in case of medical emergencies and offers cover against swine flu/H1N1.

There’s no medical checkup until the age of 45. The plan is offered in 2 variants which include Plan 1 and Plan 2. The sum assured on Plan 1 is Rs 2 Lakh a year, whereas the sum assured on Plan 2 is Rs 3 Lakh a year. The plan covers the following:

  • Medical costs including room rent, consultation fees, and medicines.
  • Post-hospitalization overheads up to 2 months
  • Pre-hospitalization overheads up to 1 month
  • Pre-existing illnesses to be covered only after 4 years of policy renewal
  • Advanced surgeries like dialysis, radiotherapy and chemotherapy (require lower than 24-hour hospitalization).

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ICICI Lombard Family Floater Health Insurance   

This family floater health insurance plan covers swine flu/H1N1 influenza. Under this plan, the benefits can be availed any time during the year. No medical tests are required up to the age of 55 years. The plan imposes no sub-limits on room rent and consultation fees. Pre-existing diseases are covered only after 4 years. The minimum coverage is Rs 1 Lakh whereas the maximum coverage is Rs 2 Lakh.

The minimum policy term is 1 year whereas the maximum term is 2 years. The minimum entry age is 5 years and the maximum entry age is 60 years. The policy can be renewed up to the age of 70 years. Needless to say, this family floater plan covers both pre and post-hospitalization expenses; incurred on treating swine flu and other diseases as specified by the insurer.

Swine flu is also covered by the group mediclaim health insurance policy offered by United India Insurance Company Limited.

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