Dengue insurance is included in the section of the specialized health insurance plan that covers all medical expenses related to dengue. It is for all time recommended having medical coverage. If you were hospitalized for dengue / any other treatment and then decide to buy a health policy, you must inform the insurer about your hospitalization. It is recommended to inform so that the medical insurer is submitted to details about the treatment and, consequently, his premium is paid. This will also help avoid a situation in which an insurer would retain a future claim because of failure to disclose information about a pre-existing illness or hospitalization due to dengue or any other medical problem.
When you previously have a policy and family members covered in the family are making a diagnosis with dengue, your insurer will cover the cost of treatment. But this policy only covers medical expenses incurred during hospital treatment and not the cost of outpatient treatment. Therefore, the insured person will lose the unclaimed bonus when claiming for dengue. If you have insurance from your employer, you can use it. In this way, you can continue to get a no-claim bonus in an independent health plan.
Charges related to a Hospital stay not expressly mentioned as being covered, including but not limited to charges for admission, discharge, administration, registration, documentation, and filing.
A standard indemnity health insurance policy covers only medical expenses incurred during inpatient treatment. Dengue Care reimburses outpatient billing up to Rs 10,000, besides covering for inpatient treatment.
The additional benefits the insurance policyholder is eligible to receive in the situation of no-claim bonus and how it is going to provide extra benefits in terms of the premium plans.