Does your health insurance policy cover monkeypox in India?

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The past two years have been dominated by the COVID-19 pandemic – we have been forced to stay home and protect ourselves from the virus. Of course, over time, vaccinations were introduced so that we could protect ourselves. But is the dreaded time over?

Not really! That’s because every other day we hear about a new virus lurking around. No wonder there’s so much anxiety today, because we just don’t know what’s going to happen next. Recently, the World Health Organization (WHO) declared monkeypox a Public Health Emergency of International Concern (USPPI). There is still a scare, but we have to be calm and ask the right questions. For example, is monkeypox covered by your health insurance policy?

Before we get to that, let’s first understand what monkeypox really is.

This is a virus that we have heard about on news channels, social media platforms, etc. Also known as a viral zoonosis, it is an infectious disease that can be transmitted from human to human, as well as from animal to human.

Some of the common symptoms of monkeypox include fever, rash after fever (which can also affect your genitals), bumps on your skin, fatigue, muscle aches, chills, swollen lymph nodes, etc.

Just like COVID-19, there are certain protocols to follow ranging from masking to social distancing and sanitizing from time to time.

Now, here is a question that is quite relevant. Since monkeypox is an infectious disease, your insurer will most likely cover it. However, you should be sure to check with your insurer to see if monkeypox is listed. You can also check several insurance policies to find out if monkeypox is covered or not.

For example, COVID-19 was not part of the coverage before, but given the severity of the disease, it has been added by most insurers.

In most cases, an infectious disease is covered by your usual health insurance policy. This means that all costs related to hospitalization or treatment must be taken care of, so you don’t have to worry about anything.

What you need to make sure is that you have an active health insurance policy. In case you don’t, do all you can to get things in order for renewal, because a comprehensive policy is a necessity these days.

Some policies may have a waiting period, as is the case with certain pre-existing conditions. Whatever your query, it is best to check with your insurer, so you have no doubts in mind.

Finally, the extent of coverage may vary from one insurer to another. This means that a certain policy might provide cover for hospitalization, but not cover outpatient service expenses.

The occurrence of monkeypox is not only in India but all over the world. While we were talking about health insurance, it is also essential to understand if your travel insurance policy covers an infectious disease like monkeypox.

Here’s the truth: many policies don’t cover medical expenses, such as emergency hospitalization. For example, if you are abroad and contract monkeypox, your medical expenses will only be covered if you include coverage in your travel policy for such requirements.

Finally, you may not be covered if you contract monkeypox after landing in India, which is your country of origin.

Although there are several insurers available at your fingertips, it is important to opt for someone who covers the viruses that invade the world. Opt for a digitally-focused insurance provider, so you can enjoy a hassle-free experience. Also, you need to have an insurer that doesn’t have too many sub-limits to provide coverage.

Last but not least, check their claims payout ratio and track record to find out how credible they are.

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