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As Dengue hits Delhi, insurers offer disease specific covers

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In the light of dengue incidents being reported in different parts of the capital, insurance companies are focussing on single disease medical insurance against dengue, cancer, diabetes, hypertension and cardiac care.

Most of the new health insurance covers, launched after 2014-15, cover dengue as part of their overall health plan. However, older insurance policies launched before 2014-15 are presently offering add-on covers for protection against chikungunya , dengue, and other diseases.

In offering, health cover for dengue, the DHFL Pramerica Life Insurance Co and ICICI Lombard General Insurance Co, older health policies were launched before 2014-2015.

In addition to existing covers – Apollo munich health insurance launched Dengue Care plan last year with coverage options to Rs. 50,000 and 1 Lakh.

Apollo Munich said it has settled 6,300 claims with its dengue add-on cover, which has a premium amount of Rs 444 and Rs 578 depending on the cover. With no pre-screening medical tests, the plan allows up to Rs 10,000 worth of outpatient expenses.

“For our newer policies, like complete health insurance and health booster – we have inpatient coverage for all vector borne diseases, including dengue. Besides allopathic treatment, the insured has option to undergo inpatient AYUSH treatment, said Sanjay Datta, the chief – underwriting and claims, ICICI Lombard General Insurance Co.

However, insurers said it is more advisable to opt for a comprehensive health insurance plan that covers all medical conditions including critical illness than opt for a cheaper plan and get add-ons and top-ups.

“Sometimes it is just a marketing gimmick, where you advertise that you can get additional cover for a single disease. Why a single disease?,” said Dr S Prakash, senior utive director, Star Health Insurance Co. Any good health insurance cover should cover every possible medical condition. Consumers should be more critical of the plan they take up and ensure that they are not losing on necessary features by choosing a cheaper plan.

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