Monsoon Health Alert: What's Covered, What's Not In Vector-Borne Illness Insurance
Good health insurance becomes the need of the hour that thwarts individuals against falling into any untoward financial trap while dealing with these diseases.
Monsoon Health Alert: The rainy season in the Indian subcontinent which is also called 'Monsoon' not only brings relief from scorching heat to people, but also provides a suitable condition for the growth of mosquitoes and other insects. They are also the carriers of many vector-borne diseases, leading to a rise in diseases related to monsoon.
But beyond the physical discomfort, these illnesses come with a financial sting. Treatment costs in metro cities can run up to Rs 1 lakh, factoring in hospitalisation, diagnostic tests, and post-recovery care. 'These illnesses are not only physically taxing but can also be financially draining," says Siddharth Singhal, Head, Health Insurance at Policybazaar.com.
Thus, good health insurance becomes the need of the hour that thwarts individuals against falling into any untoward financial trap while dealing with these diseases.
The Hidden Cost Of Recovery
The typical recovery period for Dengue or Malaria ranges from 7 to 10 days, during which multiple consultations, lab tests, and follow-up medications are often required. While many health insurance plans cover hospitalisation, what often slips under the radar is the cost of outpatient care (OPD)—an expense that can quickly add up.
'This is where a comprehensive health insurance policy plays a vital role," Singhal explains. 'Including OPD cover ensures you're not caught off guard by routine but essential costs like doctor visits and diagnostics." With the right plan, patients can access quality care without worrying about out-of-pocket expenses every time they consult a doctor.
Designed either as a standalone option or an add-on to existing plans, the coverage isn't seasonal—it offers year-round protection, which is especially helpful since such diseases can occur even outside the monsoon months.
'This plan is ideal for those without existing health coverage or anyone looking to strengthen their current policy with focused, illness-specific protection," Gupta adds.
How Much Do Claims Usually Cost?
Claim sizes vary depending on the severity of the disease and the hospitalisation duration. 'The costs usually involve room charges, ICU stays, lab tests, and medication—these are often overlooked during financial planning," says a Policybazaar spokesperson.
In major cities, a hospital stay for Dengue or Malaria can cost anywhere between Rs 50,000 to Rs 1 lakh. Even a non-hospitalised case requiring frequent OPD visits and tests can end up being a costly affair.
First Published:
July 04, 2025, 06:30 IST
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Time of India
35 minutes ago
- Time of India
JNU students continue hunger strike, protest hostel extension format
New Delhi: Twelve days into its hunger strike, the Jawaharlal Nehru University Students' Union (JNUSU) has objected to what it claims is a new undertaking format for PhD students seeking hostel extension, alleging that it requires them to express "gratitude" for being allowed to stay beyond the normal academic period. According to the union, the alleged undertaking format states that "the university has kindly agreed to allow me to stay in the hostel on humanitarian grounds" and asks students to declare a final date for thesis submission, failing which hostel facilities will be withdrawn. Terming this "maafinama" (clemency letter), the JNUSU members affiliated with Left organisations said the language was coercive and humiliating, and that the unpredictable nature of research timelines makes such rigid conditions unfair. It demanded automatic hostel extension for scholars who have received academic extension, citing the essential role accommodation plays in completing research, especially for students from marginalised backgrounds. You Can Also Check: Delhi AQI | Weather in Delhi | Bank Holidays in Delhi | Public Holidays in Delhi In a statement on Tuesday, the union said its vice-president and general secretary met the Dean of Students on July 7 to convey these concerns. Meanwhile, JNUSU president Nitish Kumar was rushed to Safdarjung hospital late Monday night after complaining of chest pain. He rejoined the hunger strike after being discharged. Doctors have warned that students on strike face serious health risks and have advised them to discontinue to hunger strike, according to the JNUSU members. The protesters are demanding the rollback of CUET for PhD admissions and restoration of the JNU Entrance Exam (JNUEE). Among other demands are the extension of hostel stay for PhD scholars nearing completion, increasing the merit-cum-means (MCM) scholarship to Rs 5,000, and withdrawal of proctorial inquiries. Currently, four students remain on hunger strike, while several others who joined in solidarity earlier have stepped down due to health concerns. Health records show a steep weight loss and rising blood pressure and ketone levels among strikers. Asked about the undertaking, dean of students Manuradha Chaudhary told TOI, "We cannot provide a blanket extension as it will set a wrong precedent. The students had approached high court and even the court has given a one-and-a-half-month extension only. The administration is already considering extension case to case basis on humanitarian grounds. We also need to make space for new batch of students."
Deccan Herald
an hour ago
- Deccan Herald
Rs 3L aid to treat labourer in coma for 7 months
A press release said Shreemant, injured while working as a construction labourer in December, incurred medical expenses of over Rs 1 crore.
Time of India
an hour ago
- Time of India
Thoroughbreds wait their turn as city plans first state-of-the-art vet facility
1 2 Chandigarh: As horse riding gains ground across Chandigarh and Mohali, from private farms and boarding stables to riding clubs, the city is finally preparing to plug a long-standing infrastructure gap. A fully equipped veterinary facility for large animals like horses and cattle, including surgical, pathological, and gynaecological services is in the works at Sector 38 (West), with the animal husbandry department aiming to make it operational within six months. The city's interest in equestrian activity has grown steadily in recent years. Many private individuals now board their horses at commercial farms on the outskirts and ride them recreationally or for competition. As per official estimates, Chandigarh currently has around 300 horses, while the 2019 livestock census recorded 1,990 horses in Mohali district. Despite this, the region lacks a single imaging or advanced diagnostic facility for large animals. For X-rays, ultrasounds or surgical intervention, horse owners and even institutions are forced to transport animals to Guru Angad Dev Veterinary and Animal Sciences University (Gadvasu) in Ludhiana, over 100 km away. "We had a case where a horse developed colic, a painful abdominal condition. It had to be transported to Ludhiana for treatment, it endured the entire journey standing in visible distress," said Deepinder Brar, who runs a riding farm near New Chandigarh. "A good trailer costs around Rs 3 lakh. And the risk during such journeys is high," he added. Colic is one of the most common equine emergencies. "It's an abdominal condition caused by gas, blockages or intestinal twists. It can be fatal if not diagnosed and treated quickly," said a UT veterinary officer. "But we have no ultrasound, crucial for diagnosis in such cases and only basic care is possible." At present, Chandigarh has four government veterinary hospitals with normal facilities for large animals in Sector 38, Dhanas, Mani Majra and Hallo Majra. One veterinary hospital for pet animals operates in Sector 22. In addition, nine veterinary sub-centres are located in Behalana, Palsora, Maloya, Kaimbwala, Khudda Lahora, Khudda Alisher, Kajheri, Sarangpur and Daria. A separate bird care centre exists in Sector 38. Veterinary officer Dr Ashwani Kumar said the problem lies not in intent but infrastructure. "Diagnostic facilities like ultrasound and X-ray don't exist for large animals in this region. New facility will have specialists in surgery, gynaecology and pathology. The equipment itself is expensive. An ultrasound for horses can cost Rs 15-20 lakh, and digital X-ray machines can go up to Rs 1 crore." Experts and owners alike say the move is long overdue. "The horses here are high-value and need proper support," said Brar. "We have built everything around riding. Now hopefully, the medical system will catch up." BOX- 6-month timeline for facility Naveen Rattu, Director, Animal Husbandry, Chandigarh said a state-of-the-art veterinary facility for large animals is in the works at Sector 38 (West) along the existing facility. "We have sent the scope of the project to the architect department. This centre will be equipped for cattle and horses and will include diagnostic imaging. If things go as planned, we should have it operational in around six months and will cut short the need to visit Gadvasu for treatment of large animals," he said. BOX- Police horses too Even Chandigarh Police, which maintains 40-50 horses, faces similar constraints. "If any of them get injured or fall ill beyond basic issues, they have to be sent to Ludhiana," said retired DSP Dilsher Singh Chandel, a trained equestrian. "It's high time that the city which has premier health institutions like PGIMER, gets full-fledged support facility for these animals as well."
