Dengue is curable but often people don’t visit doctors and hospitals and try to self-medicate to save on the high costs of hospitalization or medication. In cases like dengue, a simple Health Insurance or Mediclaim policy may be inadequate if it doesn’t cover the cost of medicines and blood tests while you are at home recovering.
I hate mosquitos! We used to be worried about mosquitos only in the monsoon, but lately you may have noticed that we have been seeing mosquito nuisance throughout the year. Everyone is scared of mosquitos because they spread diseases such as Malaria, Dengue and Chikungunya. From 2015 to 2017, according to Government data, there have been 4.2 lakh reported cases and 790 reported deaths due to dengue. ( Source )
Dengue is curable but often people don’t visit doctors and hospitals and try to self-medicate to save on the high costs of hospitalization or medication. In cases like dengue, a simple Health Insurance or Mediclaim Policy may be inadequate if it doesn’t cover the cost of medicines and blood tests while you are at home recovering.
If your health insurance policy does not cover such costs, or if you aren’t sure, you have the option for purchasing specialized Dengue plans such as Pramerica Life Dengue Shield Plan. This plan pays out a fixed amount after you have been diagnosed and start treatment for Dengue.
- The plans are available for a single person or as an option to cover up to 6 members of your family under one policy.
- The policy costs between Rs. 1,800 to Rs. 2,800 per person and covers you for a period of 5 years. If during this period you contract dengue and have to start treatment for it the policy will pay you a fixed amount between Rs. 25,000 and Rs. 50,000 depending on the option you have selected.
- If you decide to cover multiple family members under a single policy, a discount of 5% is applicable on regular premium & 2% on single premium policies.
Important Terms and Conditions
The customer is only eligible to make a claim if all of the following criteria is met:
- Decreasing platelet levels- less than 100,000 cells/ mm3 and
- Increasing in haematocrit more than 20% of the highest normal value and
- Immunoglobulins/PCR test showing positive results for Dengue and
- Attending physician’s certification for diagnosis of Dengue Haemorrhagic fever and/or Dengue Shock Syndrome and
- Minimum 48 In-patient care consecutive hours of hospitalization in a Hospital for medically necessary treatment of Dengue
- There is a waiting period of 15 days post purchase of this policy. The Company will not entertain any claim arising due to diagnosis within the waiting period under this policy
- Each person covered under the policy may only make 1 claim per year