Dengue Coverage In Health Insurance: Guide to Coverage, Exclusions, and Claims

Dengue is a mosquito-borne viral infection that poses a life-threatening risk for people since the 1950s. Since the last 6 to 8 decades, this disease has claimed millions of lives around the globe. The threat of this lethal mosquito-bite lurks over 100 countries endangering the lives of over half of the world’s population. Having Dengue Coverage in Health insurance is important as hospitalisation could lead to a financial setback.

Dengue is a mosquito-borne viral infection that poses a life-threatening risk for people...

What is Covered Under Dengue Health Insurance?

The coverage of Dengue Health Insurance plans is more extensive as compared to a normal health insurance policy. Thus, a health insurance plan that covers Dengue can be purchased for your senior citizen parents as well. The duration of this policy is mostly one year.

15 days of pre- and post-hospitalisation expenses each will be covered under this plan. This includes expenses for investigations, consultations, and medicines.
Hospitalisation expenses can be covered when diagnosed with Dengue fever.
At ACKO, up to 10 members can be covered under Dengue health insurance plans.

Dengue Coverage in Health Insurance Plans at ACKO

ACKO Standard Health Insurance Plan

The Standard Plan offers extensive coverage at budget-friendly rates. You can choose from coverage amounts of Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, and Rs. 1 Crore.

ACKO Platinum Health Plan

The Platinum Plan provides complete coverage with a high sum insured. It includes benefits like no deductions on claims and no waiting period, making it an ideal choice for getting the most out of your health insurance.

ACKO Platinum Super Top-up Health Plan

The Super Top-up Plan is a smart way to add extra protection to your existing health plan or medical funds. Once a deductible is met, you gain access to features like no waiting period and a high sum insured.

What are the Common Exclusions of Dengue Health Plan?

Here is the list of things that may not be covered under a Dengue Health Insurance Policy:

Any claim raised for the treatment other than for Dengue.
Availing treatment from an unauthorised individual or group.
Any treatment or medicines that are medically not necessary for curing the diseases.
Inactive policy.
Claim for treatment of a newborn baby or a person above 65 years of age.
Treatment availed outside the geographical limits of the country.

Waiting Period on Dengue Health Insurance Plan

The waiting period is the duration for which a policyholder cannot raise a claim against his/her health insurance policy. With respect to Dengue health insurance plans, a waiting period of 15 days from the start date of the policy may be applicable as per the terms and conditions of the insurance company. Usually, a waiting period is applicable in case of buying a specific health insurance policy for the first time and not on subsequent renewals.

What is a Free Lookup Period?

An insurer may allow the policyholder a free lookup period of around 15 days. The policyholder is supposed to take a look at the terms and conditions, inclusions, exclusions, etc. of the policy and decide whether to continue with the Dengue health insurance policy. During this time, he/she will be given the option to cancel the policy and the premium amount will be refunded.

Conditions for Making a Claim Against Dengue Health Policy

Cashless Claim

One needs to intimate the insurance company within the first 24 hours of emergency hospitalisation. Any delay might result in the rejection of the claim.
For a planned hospitalisation, one may have to inform the insurance company at least 48 hours in advance.
The insurance company will then send an authorization or rejection letter.

Reimbursement Claim

One may have to intimate the insurance company within 7 days of availing treatment.
A duly filled claim form along with the other necessary documents (mentioned on the claim form) are required to begin the claim process.
The insurer may send a communication within 7 days if the company requires any more documents.
A claim against the Dengue medical insurance usually takes less than 30 days for settlement.

With frequent cases of Dengue, it has become more of a necessity than a choice for buying a health insurance plan that covers this disease. Some insurance companies offer Dengue cover as a part of their basic health insurance plan. Thus, you can buy this cover as a separate plan or as an add-on but make sure to include it in your health insurance portfolio.

Frequently Asked Questions

Here are some common questions about Dengue Coverage in health insurance.

Is dengue covered in health insurance?

Yes, most health insurance plans provide coverage for hospitalisation expenses due to Dengue.

What is Dengue Insurance?

Dengue Insurance is a special type of health insurance plan that covers medical expenses related to the treatment of Dengue, a mosquito-borne viral infection. It provides more extensive coverage than a regular health insurance policy.

Who can buy Dengue Insurance Policy in India?

Indian citizens above the age of 18 years can buy the Dengue Insurance Policy to insure themselves and their families against medical expenses related to Dengue fever.

What expenses are covered under Dengue Malaria Insurance?

This plan usually covers hospitalisation expenses related to Dengue or Malaria infections.

How many family members can be included in health insurance for dengue?

At ACKO, you can insure up to 10 family members under a single health insurance plan. This can include you, spouse, your parents, up to four children, and parents-in-law.

Is there a waiting period for Dengue Health Insurance?

Yes, there is usually a 15-day waiting period from the start date of the policy. During this period, you cannot make any claims related to Dengue treatment. This waiting period often applies when buying the policy for the first time, not for renewals.

What is a free lookup period in Dengue Health Insurance?

The free lookup period is a 15-day window where the policyholder can review the policy terms, conditions, inclusions, and exclusions. If they are not satisfied, they can cancel the policy within this period and get a refund of the premium paid.

Can Dengue cover be added to an existing health insurance plan?

Yes, some insurance companies offer Dengue cover as an add-on to a basic health insurance plan. You can buy it separately or include it as part of your overall health insurance portfolio.

Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wordings for more details.

**The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.