Any typical health plan covers dengue fever completely, including pre- and post-hospitalization charges for 30 and 60 days, respectively, as well as consultations and tests.
COVID-19
COVID-19 disease is now covered by all health insurance companies, thanks to the IRDAI’s mandate. Many people died during the epidemic as a result of a lack of effective care and financial constraints. To assist people in such situations, health insurance carriers have introduced COVID-19-specific plans that cover not only the coronavirus-related hospitalization costs, but also the pre- and post-hospitalization expenditures within a short waiting period.
Cancer
Cancer is one of the most common and life-threatening diseases in today’s society. Many people are affected by cancer as a result of fundamental changes in modern lifestyle or medical history. Many health insurance plans cover cancer at all stages of the disease and even include a second physician opinion to help you get through the difficult diagnosis process. The claim amount for such diseases is offered to policyholders in a lump sum to help them compensate for the loss of income caused as a result of the disease’s treatment.
High Blood Pressure
Many people are experiencing blood pressure problems as a result of increased working stress and other medical causes. Untreated high blood pressure for an extended period of time can cause a blockage in the blood vessels, resulting in a heart attack or stroke. As a result, it is critical to seek early medical assistance if you have high blood pressure, which can be done easily with the help of a health insurance plan.
Diabetes
Diabetes is a condition in which a patient’s blood sugar levels are abnormally high, and untreated diabetes can lead to stroke, heart attack, renal failure, and other complications. With the help of a health insurance plan and its comprehensive coverage, you can receive appropriate medical treatments for diabetes without worrying about financial limits.
HIV/AIDS
This is a fatal virus attack that damages a person’s immune system. HIV therapy is time consuming and can burn a hole in a middle-class person’s wallet. Health insurance programs provide much-needed financial assistance to policyholders for sickness treatment with little difficulties.
Cataract
Cataract is a vision problem in which a person’s vision gets fuzzy. The price of cataract surgery can quickly deplete a person’s savings. As a result, you can seek financial assistance from health insurance policies and improve your vision quality without having to worry about money.
Is dengue covered in HDFC ERGO health insurance?
The Dengue Care Coverage is an annual policy that covers you and your family for in-patient and out-patient treatment if you are diagnosed with Dengue fever. People aged 91 days to 65 years are covered under the policy, with sum insured options of Rs. 50,000 and Rs. 1 lakh. You must be at least 18 years old to purchase the policy. The premium for Dengue Care Policy remains the same regardless of age. The policy does not require a medical exam to be accepted. There are also no sub-limits or co-payment terms in the policy. Only an individual sum insured is covered by this policy, and you can include your spouse, dependent children, and parents.
Is fever covered in health insurance?
Insurance claims are no longer limited to catastrophic illnesses alone, thanks to the progressive evolution of healthcare insurance. Insurance companies also cover fever and accompanying hospitalization costs. In reality, it is for unexpected hospitalizations like these that people save a significant amount of money that would otherwise be paid.
A recurrent tendency seen by insurance firms in India is that after the occurrence of diseases such as fever, malaria, and dengue fever, the number of claims filed for that year has increased. Following a difficult year, government officials implement preventative measures, which result in a decrease in claims the following year. Between 2012 and 2013, while the weather was wildly fluctuating, there was a large increase in fever claims.
Aside from various infectious diseases, health insurance companies offer comprehensive coverage for other critical illnesses such as cancer, which is becoming more deadly by the day. In addition, insurance buyers must obtain a larger policy to cover cancer costs, which are also rising at an exponential rate.
As vital as it is for insurance companies to cover the most common diseases in India, policyholders must do their part by carefully selecting their insurance policy to ensure that it covers not only catastrophic illnesses, but also common ailments that can strike at any time.
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Which pre existing conditions are not covered?
Because of a pre-existing health condition like asthma, diabetes, or cancer, health insurers can no longer charge you or your child extra or deny coverage. They are also unable to limit benefits for that disease. They can’t refuse to cover therapy for your pre-existing ailment once you get insurance.
How is dengue virus diagnosis?
Dengue Fever Diagnosis A blood test can be used to identify dengue infection by looking for the virus or antibodies against it. Inform your doctor if you fall ill after visiting a tropical place. This will allow your doctor to determine whether your symptoms are the result of a dengue infection.
Can I claim insurance without hospitalization?
A claim settlement in a health insurance plan comes with a lot of stipulations. Certain requirements must be met in order for the claims to be resolved. The disease must be covered by the plan, the insured must be admitted to a hospital that meets certain criteria, the claim must be correctly filed, and the hospitalization must last at least 24 hours for a claim to be valid.
Yes, the last criterion perplexes many of us. Normal hospitalization claims are only paid out once the insured has been in the hospital for a total of 24 hours. But what about treatments that don’t necessitate a long stay in the hospital? Is it possible to claim insurance coverage for such procedures as well?
We can, in fact, do it! Do you know what Day Care Treatments are? Day Care Treatments are covered by all health insurance policies, and this feature covers treatments that do not require hospitalization for more than 24 hours. Allow us to clarify:
Day Care Treatments, as defined by the policy wordings, are medical treatments or surgical procedures performed in a hospital or a day care center under the influence of a general or local anaesthesia in less than 24 hours due to technological advancements in medicine that would have otherwise required a 24-hour hospitalization.
These day care therapies, which do not require a 24-hour hospitalization, are covered by your health insurance plan. The following are some of the most prevalent Day Care Treatments covered by health insurance:
These are only a handful of the treatments available from a long list. Out-Patient Expenses, such as doctor consultations, tests, and investigations, are not included in the scope of day care treatments, even though they may necessitate hospitalization for less than 24 hours.
OPD treatments differ from Day Care Treatments in that they do not require any hospitalization, regardless of medical progress. Day Care therapies, on the other hand, necessitate hospitalization, but the length of stay has been reduced due to medical advancements.
So, the next time you’re worried that your Cataract surgery won’t be covered or that your Chemotherapy session won’t be reimbursed by your health insurance, reconsider. These therapies fall under the category of Day Care Treatments, and they are covered by your health insurance.
Day Care Treatments are covered by all insurers; the only variation is that the list of treatments and surgeries covered varies by insurance. Furthermore, these therapies offer the option of a cashless claim settlement. Even if you are unable to use the cashless facility, you may be eligible for reimbursement.
Day Care Treatments are those that last less than 24 hours and are covered. Relax the next time you’re concerned that your hospitalization did not last the full 24 hours. Day Care Treatments coverage is available and would come to your aid. Simply make sure you’re claiming for a Day Care treatment rather than an OPD treatment, and your health plan will take care of the rest.
What types of insurance are not recommended?
Some insurance salespeople will attempt to persuade you that you require mortgage life insurance. This is a type of life insurance that pays off your mortgage if you die before the loan’s terms are met. Your ordinary life insurance policy will, of course, accomplish the same thing. Rather than purchasing a separate mortgage life insurance policy, be sure that your ordinary life insurance policy provides enough coverage to pay off your mortgage.
Mortgage life insurance should not be confused with private mortgage insurance (PMI). If you don’t have 20% saved for a down payment, you’ll almost certainly need to purchase private mortgage insurance (PMI) to safeguard the lender in the case of a default.
Identity Theft Insurance
Many people are concerned about identity theft because it is such a rapidly expanding crime. They should be, too. In order to avoid identity theft, you must keep track of what is going on with your accounts and credit report. You can set up security flags on your credit reports to make it more difficult for people to open credit accounts in your name. Identity theft insurance won’t be able to help you with anything you can’t handle for yourself for free. It may take some of your time, but you do not need to pay for this form of insurance to be adequately protected.
Cancer Insurance
My uncle is one of the healthiest persons I know, a walking advertisement for a healthy lifestyle. Anyone can get cancer if he can (and he has had two bouts). That does not, however, imply that you should purchase cancer insurance. To begin with, having cancer insurance may negate some of your regular health insurance coverage. Second, you should be aware that many cancer insurance policies contain loopholes that can prohibit you from receiving a settlement. Check your health insurance policy instead of paying extra for specialized sickness coverage. Check to see if it’s suitable for hospitalisation.
Insurance for strokes and heart attacks should also be avoided. These types of insurance, like cancer insurance, are unneeded because the ailments are likely covered by your comprehensive health plan.
Payment protection on your credit card
If you are unable to make your credit card payments due to death, job loss, illness, or disability, this protection will make minimal payments on your behalf until the problem is remedied. However, it’s vital to keep in mind that certain restrictions always apply and because the insurance is based on your credit card balance, it might be costly.
Consider a disability coverage that covers debt payments instead of payment protection. Any credit card debt you may have should be covered by your life insurance policy (in addition to the mortgage). You can also set aside money for an emergency fund to assist you prepare for such events.
Collision coverage on older cars
Every state requires that you carry some form of auto insurance (usually liability, so that you can cover damage you do to property and people). However, once your automobile is older and its value has dropped sufficiently, collision coverage may not be worth it. Indeed, regardless of the extent of the damage, you will only be paid what your car is worth according to a formula.
So, crunch the numbers. Is your collision coverage premium excessively high in comparison to the benefits you can receive? Your policy should detail the costs of each component of your coverage so you can determine whether comprehensive coverage on your previous automobile is also worthwhile. Set money away in an emergency fund to cover bills or to put toward a new car in case something goes wrong.
Of course, whether or not insurance is worthwhile depends entirely on your individual circumstances. Do you want the assurance that any changes to your credit report will be flagged for you automatically? Or can you keep an eye on things yourself? Just make sure you understand exactly what you’re getting for your money before handing over your hard-earned cash.
What are the most common diseases in India?
Cancer is one of India’s most frequent and deadly diseases nowadays. According to the Global Cancer Observatory (GLOBOCAN), a total of 11.57 lakh cancer cases were reported in India in 2018, up from 10 lakh cases reported in 2012. Treatment for cancer is agonizing physically, emotionally, and financially and the sorrow is indescribable if the family’s breadwinner succumbs to the deadly disease. Breast, oral, cervical, gastric, and lung cancers are the top five cancers affecting Indians today.
What is the world’s most common disease?
Hepatitis B is the most common infectious disease in the world, impacting more than a quarter of the world’s population, according to current figures. Long-term problems such as cirrhosis of the liver or even liver cancer can occur as a result of this condition, which is characterized by a liver inflammation that causes jaundice, nausea, and exhaustion. The people who have the chronic form of the disease, which is believed to be around 350 million people, are the ones who are most concerned.