Health Insurance for Dengue – All You Need To Know

Know everything about dengue health insurance, its coverage, benefits, and exclusions.
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3 mins
24-January-2024

Dengue fever is a debilitating illness caused by a viral infection transmitted through the bite of Aedes mosquitoes. Although dengue fever is treatable, medical expenses related to the diagnostic and treatment processes can severely impact your finances. This is why it is essential to obtain health insurance for dengue, designed to cover the medical expenses associated with the disease.

This article explores the features of dengue insurance. It also explains what dengue is, its symptoms and causes, and the invaluable protection offered by dengue insurance policies. We will explore the benefits, coverage details, and exclusions, offering a comprehensive guide to acquiring dengue insurance.


What is dengue fever?

The Aedes mosquito transmits any of the four dengue viruses, causing dengue fever, a viral infection in humans. The disease is characterised by fever, headaches, muscle and joint pains, rash, and other flu-like symptoms. Although dengue fever is not usually fatal, it can be quite severe and requires prompt treatment to prevent complications. Some of the symptoms of dengue fever are:

  • Sudden high fever
  • Severe headaches
  • Joint and muscle pain
  • Skin rash
  • Nausea and vomiting
  • Eye pain
  • Fatigue
  • Uncontrolled bleeding

Dengue insurance

Dengue insurance is a specialised health insurance policy designed to provide financial protection and support to individuals diagnosed with dengue fever. This insurance recognises the unique challenges posed by dengue and aims to alleviate the financial burden associated with medical expenses, hospitalisation, and other related costs incurred during the treatment and recovery process.

Dengue insurance plan offered by Bajaj Finance

Bajaj Finance offers a pocket-friend Dengue Cover at an annual premium of Rs. 299, providing coverage of up to Rs. 50,000. This plan covers treatment and diagnostic test expenses, hospital room rent, and doctor’s fees for dengue and malaria fever.

Benefits of dengue insurance

Here are some of the benefits of dengue insurance policies:

  • Financial security: The primary benefit of dengue insurance is the financial security it offers to policyholders. In the event of a dengue diagnosis, the insurance coverage ensures that the financial strain associated with medical expenses is significantly reduced.
  • Coverage for medical expenses: Dengue insurance typically covers various medical expenses, including hospitalisation costs, diagnostic tests, doctor consultations, and medications prescribed during the treatment.
  • Hospitalisation coverage: In severe cases of dengue that require hospitalisation, the insurance provides coverage for room charges, nursing expenses, and other related costs.
  • Preventive care: Some dengue insurance plans may include coverage for preventive measures, such as mosquito repellents and other precautions to reduce the risk of dengue infection.

Coverage for dengue insurance

Dengue insurance coverage may include the following:

  • Hospitalisation charges: Hospitalisation expenses, including doctor consultation fees, room rent, and nursing charges, are typically covered under dengue insurance policies.
  • Diagnostic tests: Dengue insurance policies usually cover expenses related to diagnostic tests such as blood tests, ultrasound scans, and other imaging studies.
  • Medications and in-patient treatment: Dengue insurance policies cover the costs of medications and in-patient treatment associated with dengue fever.
  • Emergency medical evacuation: Some dengue insurance policies offer coverage for emergency medical evacuation in case of severe dengue fever complications.

Also, read health insurance for vector-borne diseases.


Exclusions under dengue insurance

Exclusions are medical expenses that are not covered by a dengue insurance policy. Here are some of the common exclusions under dengue insurance:

  • Pre-existing conditions: Dengue fever insurance policies usually do not cover pre-existing medical conditions.
  • Waiting period: There may be a waiting period for dengue insurance policies before the policyholder can make a claim.
  • Self-inflicted injuries: Dengue insurance policies usually do not cover any self-inflicted injuries or illnesses.
  • Alternative treatments: Some policies may exclude alternative treatments such as acupuncture or naturopathy.

In conclusion, dengue insurance emerges as a crucial component in safeguarding individuals and families against the financial repercussions of dengue fever. As the incidence of this vector-borne disease continues to rise globally, having a specialised insurance policy tailored to address the unique challenges posed by dengue becomes imperative. The benefits of financial security, coverage for medical expenses, and the peace of mind offered by dengue insurance make it a prudent investment in regions prone to dengue outbreaks.

Disclaimer

Insurance is the subject matter of solicitation. *T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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