Understand the Treatment Cost of Tuberculosis
Tuberculosis is one of the ancient diseases in India, and it remains a significant public health concern. While the disease is treatable, navigating diagnosis, treatment options, and the associated costs can be a little confusing. Read below to understand about the TB disease.
What is Tuberculosis?
Tuberculosis is commonly known as TB. It is an infectious disease caused by the bacteria called Mycobacterium tuberculosis. It typically affects your lungs, but can also spread to the other parts of the body.
Signs and Symptoms of Tuberculosis
Some of the early signs of tuberculosis are:
- Cough that lasts more than 3 weeks, especially if there is mucus or blood while coughing.
- Feeling exhausted
- Night sweats or high-temperature
- Loss of appetite
- Weight loss
- Feeling generally unwell
Signs and symptoms of TB if it has spread to the other parts of the body:
- Swollen glands
- Body aches and pains
- Swelling in joints or ankles
- Pelvic pain
- Constipation
- Dark or cloudy urine
- Headache
Cost of Tuberculosis Treatment in India
The overall treatment cost of tuberculosis can be around Rs 20,000 to Rs 30,000.
Although, the cost of tuberculosis treatment in India can vary depending on several factors. Have a look below to get an idea:
Government vs. Private care
Free Medication
The Indian government provides free first-line TB medication through the Revised National Tuberculosis Control Programme via DOTS clinics.
Private Care Cost
If you choose to go to private healthcare facilities, medication and consultations, then you need to pay extra costs.
Direct vs. Indirect Cost
Direct Cost
These include the expenses that are directly related to the treatment, like, medications, medical tests, and travel to clinics.
Indirect Cost
These costs are often substantial and can include loss of income due to illness and treatment, and the cost of nutritional supplements.
Health Insurance Plans that Covers Tuberculosis in India
Here are some of the health insurance plans that covers tuberculosis in India are listed below:
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
- No room rent capping
- 20% no-claim bonus on SI
- 100% SI restoration
Health Companion V2022 (Pros)
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of upto 15 %
- Annual Aggregate Deductible
- Home Care Treatments
Health Companion V2022 (Cons)
- No OPD Cover
- No Maternity Cover
- Cosmetic Surgery Uncovered
- Specific Diseases after 2 yrs
- No Alcoholism Cover
Health Companion V2022 (Other Benefits)
- Air Ambulance
- Modern Treatments
- Vaccination on Animal Bite
- Organ Donor Benefit
- Domiciliary treatments
Health Companion V2022 (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.
Unique Features
- Avail discounts on policy terms
- 50 Lakh SI
- Flexible premium payment
Bajaj Allianz Critical Illness (Pros)
- Joint Replacement
- Major Organ Transplantation
- Surgery of Aorta
- Limbs Permanent Paralysis
- Dialysis Care
Bajaj Allianz Critical Illness (Cons)
- No C- Section Coverage
- No Weight Surgery Cover
- No War Injury Cover
- HIV/AIDS not covered
- No Natural Peril Cover
Bajaj Allianz Critical Illness (Other Benefits)
- First Heart Attack
- Open Chest CABG
- Regular Dialysis
- Neuro Care
- Multiple Sclerosis
Bajaj Allianz Critical Illness (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 50 L
- Waiting Period - 90 Days
Future Generali Health Suraksha Insurance
From simple daycare treatment to major operations, the plan comes out with various benefits to deal with the multiple needs of the policyholder.
Unique Features
- Cumulative Bonus up to 50%
- Flexible 4 plan variants
- Compassionate benefit
Health Suraksha Insurance (Pros)
- Hospitalization Expenses
- Free Medical Checkup
- Organ Donor Expenses
- Loyalty Discount
- Recharge of SI
Health Suraksha Insurance (Cons)
- No Organ Transplantation Cover
- Infertility Cover Unavailable
- No STD covered
- No Maternity Cover
- Cosmetic Surgery unavailable
Health Suraksha Insurance (Other Benefits)
- Renewal Benefits
- Cataract Treatment Cover
- Ambulance Cover
- Inpatient Treatment Cover
- Free Medical Checkup
Health Suraksha Insurance (Eligibility Criteria)
- Entry Age -90 Days
- Max Entry Age - 70 Years
- SI - 50 Thousand To 10 L
- Waiting Period - 30 Days
Bottom Line
Tuberculosis is one of the most deadly diseases, but it is treatable. If you are successful in navigating the diagnosis, treatment options and associated costs can be overwhelming. However, thanks to the Indian Government's Revised National Tuberculosis Control Programme (RNTCP ), which offers free medication and DOTS centres to ensure a successful treatment.
If you experience any symptoms related to TB, consult a healthcare professional immediately.
PS- Early detection and proper treatment can prevent the spread of this infectious disease and lead to a healthy outcome.
In case you need to ask questions related to health insurance policies for tuberculosis, then contact PolicyX.