- Dengue coverage benefits
- Factors to consider
- Making informed choices
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Reviewed By:
Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Apr 22, 2025 6 min read
Does Health Insurance Cover Dengue Fever?
Yes, dengue health insurance covers the expenses incurred on the treatment of dengue fever.
The specialised vector-borne diseases health insurance plans cover all the costs including diagnostic tests, medicines, hospitalisation, and OPD. However, almost every comprehensive health insurance plan covers the cost of dengue treatments.
A sudden spike in fever, relentless joint pain, and the chilling realisation that you might be battling dengue - the physical toll is undeniable. But lurking beneath the surface is another burden: the potential financial strain of diagnosis, hospitalisation, and treatment. In a landscape where medical costs are ever-rising, the question of whether your health insurance will step in during a dengue bout is no longer a mere inquiry, but a necessity. Let’s get into the specifics of dengue coverage, separating fact from policy details, and ensuring you’re prepared for any eventuality.
traordinary Facts
What is Dengue Fever?
- Dengue fever is a mosquito-borne viral infection that’s prevalent in tropical and subtropical areas around the world. It’s caused by one of four related dengue viruses. The virus is transmitted to humans through the bite of infected female Aedes mosquitoes. The symptoms can range from mild fever to severe headache and pain in joints, muscles and eyes. So, if you see these symptoms, contact your doctor immediately. And use your health insurance policy for diagnosis and related expenses.
- Growing Concern about Dengue- Dengue fever is a mosquito-borne viral infection that can take a life.
Benefits of Buying Dengue Health Insurance in India
Buying dengue health insurance in India offers several key benefits, particularly given the prevalence of the disease. Here are some of the benefits of dengue health insurance in India:
Financial Protection
Dengue treatment can be expensive, involving hospitalization, diagnostic tests, and medications. Insurance helps cover these costs, preventing a significant financial burden. This is especially important in severe cases that require prolonged hospital stays or ICU care.Coverage of Medical Expenses
Dengue insurance covers hospitalization expenses, blood tests, medication costs, pre and post-hospitalisation, and OPD expenses. This way all your medical expenses are covered by the best health insurance for dengue fever.Peace of Mind
Knowing that you have financial protection against dengue can reduce stress and anxiety during an illness. This allows you to focus on recovery rather than worry about medical bills.Access to Quality Healthcare
With dengue health insurance coverage, you’re more likely to seek timely and appropriate medical care, which can improve outcomes. Cashless treatment options are often available, easing the process of receiving care.Protection During Outbreaks
Dengue outbreaks are very common in India, especially during the monsoon season. Having dengue health insurance provides a safety net during these times.
List of Dengue Health Insurance in India
Here is the list of health insurance plans that give coverage for dengue treatment.
| Dengue Insurance Plan | Sum Insured(₹) | Entry Age | Pre-policy Medical Check-ups |
| Aditya Birla Activ Health Plan | 2 lakh to 2 crore | Adult - 18 years onwards (depending on the variant) Child - 91 days to 25 years | May be required |
| Bajaj Allianz M-Care Plan | 10,000 to 75,000 | Adult - 18 to 65 years Child - 1 day onwards | - |
| Care Health Insurance Plan | 1 lakh to 6 crore | Adult - 18 years onwards Child - 91 days onwards | Required |
| Digit Health Care Plus Plan | 10,000 onwards | Adult - 18 years onwards Child - 91 days onwards | May be required |
| Future Generali Health Absolute Plan | 3 lakh to 1 crore | Adult - 18 years onwards Child - 1 day to 25 years | May be required |
| HDFC ERGO Dengue Care Plan | 50,000 & 1 lakh | Adult - 18 to 65 years Child - 91 days to 25 years | Not required |
| ICICI Lombard Mashak (Mosquito) Rakshak Plan | 10,000 to 2 lakh | Adult - 18 to 65 years Child - 1 day to 25 years | Not required |
| Magma HDI OneHealth Insurance Plan | 2 lakh to 3 crore | Adult - 18 years onwards Child - 91 days to 25 years | - |
| ManipalCigna ProHealth Prime Plan | 3 lakh to 1 crore | Adult - 18 years onwards Child - 91 days to 25 years | Not required up to 45 years |
| Niva Bupa Heartbeat Plan | 1 lakh to 1 crore | Adult - 18 to 65 years Child - 91 days to 21 years | - |
| Oriental Dengue Kavach Plan | 10,000 & 20,000 | Adult - 18 to 70 years Child - 91 days to 25 years | Not required |
| Reliance Health Infinity Insurance Plan | 3 lakh to 5 crore | Adult - 18 to 65 years Child - 91 days to 25 years | May be required |
| SBI Super Health Insurance Plan | 3 lakh to 2 crore | Adult - 18 years onwards Child - 91 days to 30 years | May be required |
| Star Comprehensive Insurance Plan | 5 lakh to 1 crore | Adult - 18 to 65 years Child - 91 days to 25 years | Not required |
| Tata AIG MediCare Premier Plan | 5 lakh to 3 crore | Adult - 18 years onwards Child - 91 days to 25 years | May be required |
| Zuno Health Insurance Plan | 1 lakh to 1 crore | Adult - 18 years onwards Child - 90 days to 26 years | May be required |
| Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan | 2 lakh to 2 crore | Adult - 18 to 65 years Child - 91 days to 25 years | May be required |
To learn more about health insurance plans, visit here.
What is Covered in the Dengue Health Insurance Plan?
- In-patient hospitalization expenses
- Room rent
- Transfusion charges
- ICU charges
- Pre-hospitalization expenses
- Post-hospitalization expenses
- Diagnostic tests cover
- Outpatient treatment expenses
- Diagnostic tests
- Pharmacy expenses
- Home nursing
- Shared accommodation benefit
What is Not Covered Under Dengue Health Insurance?
- Treatment cost of any disease other than dengue fever
- Day care expenses
- Domiciliary hospitalization
- Cost of any medicine that is not required to cure dengue fever
- Treatments taken outside India
- Unproven treatment
- Treatment at unauthorized centres
- Pre-existing conditions
How to Choose the Best Dengue Health Insurance Plan?
When evaluating a health insurance policy for dengue coverage, consider the following key factors:
- Inclusion in existing policy- Some of the insurance providers offer dengue coverage as an add-on to their existing health insurance policies. With this, you can enhance your coverage without changing your insurance plan.
- Waiting period- It is important to be aware of the waiting period associated with dengue fever coverage. Some policies may ask you to wait for a specific period before you can claim benefits related to the treatment. This understanding will help you to plan effectively in case of any emergency.
- Claim process- Understand the claim process for dengue-related expenses. Make sure that you are aware of the required documents and steps involved in making a claim. This knowledge can speed up the process and reduce any unnecessary stress during an already challenging time.
- Network hospitals and clinics- Check if your insurer has tie-ups with specific hospitals or clinics known for their expertise in dengue treatment. This can streamline your medical care and ensure that you receive the best possible treatment.
What are the Factors to Consider While Buying Health Insurance?
Once a wise man said, knowledge is power when we talk about health insurance. So, before finalizing a health insurance policy, take the following steps to make an informed decision.
- Read the fine print- You should thoroughly read the policy documents, terms, and conditions. Give your attention to the section on dengue coverage to understand its scope and limitations.
- Seek expert advice- Though the world of health insurance seems overwhelming, do not hesitate to seek advice from an expert. They can help you in getting clarity on complex terms so that you can choose the policy that aligns with your needs.
- Compare various policies- Different insurance providers offer different coverage options for dengue. So, take your time to compare policies on PolicyX.com from multiple insurers to choose the right one for you.
Tips to Prevent the Risk of Dengue
As the threat of dengue fever increases, having a health insurance policy that covers this illness is a necessary step towards protecting your health and financial well-being. By understanding your health insurance policy, you can save yourself from landing in the pit of a shortage of money. However, you can prevent dengue by using mosquito repellent, try wearing long-sleeved clothes and full trousers. Install nets on your doors and windows so that mosquitoes will not enter your home. In India, dengue is a common disease, so, whether you are already a policyholder or going to purchase a new policy, remember that dengue coverage is not just a feature, it is a lifeline in times of need.
Consult for Personalized Insurance Advice
But how does it work?
Schedule a call with India’s number 1 trusted advisor with a 4.5+ rating on Google. We are not your average insurance agents. Our advisors are experts in their insurance knowledge and will give you the right information at the right time. The service is free of cost! Don’t worry, we won’t spam as we value your time.
Health Insurer Network Hospitals
Dengue Coverage: FAQs
1. Which disease comes under health insurance?
Diseases like cancer, cardiovascular diseases, diabetes, cataracts, high blood pressure, cosmetic surgery, genetic disorders, and much more are covered under health insurance.
2. Which diseases are not covered by health insurance?
Diseases related to overconsumption of alcohol, pre-existing illness, infertility, and much more are not covered under health insurance.
3. Is fever covered in health insurance?
Yes, viral fever is mostly covered in all health insurance plans in India.
4. Is dengue covered in accident insurance?
Dengue is covered under personal accident plans.
5. Is dengue an emergency case?
A very severe dengue is a medical emergency which requires immediate medical care at a clinic or hospital.
6. Is dengue fever covered under regular health insurance plans?
Yes, most comprehensive health insurance plans in India cover the expenses related to dengue fever treatment, including hospitalization, diagnostic tests, and medications.
7. Are there specific dengue insurance plans available?
Yes, some insurance companies offer specialized dengue insurance plans that provide focused coverage for dengue-related expenses. These plans may offer enhanced benefits compared to standard health insurance.
8. What expenses are typically covered in a dengue health insurance plan?
Common covered expenses include hospitalization charges, diagnostic tests, medication costs, pre and post-hospitalization expenses, and sometimes outpatient department (OPD) treatment.
9. Is there a waiting period before dengue coverage becomes effective?
Yes, most health insurance policies have a waiting period, which is approximately 30-90 days. It’s essential to check the specific waiting period for dengue coverage in your policy.
10. Does my health insurance cover dengue treatment if I’m diagnosed immediately after buying the policy?
If you’re diagnosed with dengue during the waiting period, your claim may be denied. Always check the waiting period policy for dengue health insurance.
11. Are diagnostic tests covered under dengue health insurance?
Yes, the costs of diagnostic tests, such as blood tests to confirm dengue, are typically covered.
12. Can I get cashless treatment for dengue at network hospitals?
Yes, you will get cashless treatment for dengue at any network hospital. Check the list of network hospitals provided by your insurer.
Health Insurance Companies
Know More About Health Insurance Companies
Share your Valuable Feedback
4.4
Rated by 2629 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Do you have any thoughts you’d like to share?