Monkeypox and health insurance coverage: What’s covered and what’s not | Business News,The Indian Express
Monkeypox Health Insurance: All you need to know about Monkeypox coverage in a health insurance policy.
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HomeBusinessMonkeypox and health insurance coverage: What’s covered and what’s not
Monkeypox and health insurance coverage: What’s covered and what’s not
Monkeypox Health insurance coverage: All you need to know about Monkeypox coverage in a health insurance policy.
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Updated: September 2, 2022 5:10:45 pm
Monkeypox and health insurance coverage: Monkeypox, being an infectious disease, will be covered under health insurance like any other infectious disease. (Representative image, source: Pexels)Written by Amit Chhabra
Monkeypox Health Insurance: Even as the Covid scare and caseload began to subside after two long years, medical experts have already sounded a warning regarding a new virus threat – Monkeypox. Though the cases in India right now are far lower at 9 compared to the global number of around 19,000, the disease has still managed to garner a collective panic wave. Not to mention, it has already been declared a global health emergency by the World Health Organisation (WHO).
Understandably, after living with the prolonged woes of the Covid–19 pandemic, this is a health scare that people would want to avert at all costs. While one can and should take precautions to keep the virus at bay, it’s also equally important to plan for an untoward situation of contracting it. Even as medical emergencies of different nature are on the rise, it’s common to wonder whether or not they will be covered under your health insurance. Here we round up all that you need to know about Monkeypox coverage in your health insurance policy.
Monkeypox, being an infectious disease, will be covered under health insurance like any other infectious disease. Similar to Covid–19, if the infection requires the patient to be hospitalised, the insurance policy will provide coverage for the treatment as per terms and conditions. Usually, regular health plans cover the cost of hospitalisation, pre and post-hospitalisation expenses, ambulance charges and ICU.
There are some exclusions pertaining to Monkeypox coverage that one needs to keep in mind. First and foremost is the waiting period. The waiting period refers to the time duration that a policyholder has to wait after buying the policy before his or her actual coverage begins. At this time, they cannot raise a non-accidental claim. Generally, the policies come with a waiting period as low as 30 days. Depending from plan to plan, the waiting period varies for the policyholder. Therefore, if one raises a claim during the waiting period for Monkeypox, it will get rejected.
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