Dengue Health Insurance

What is Dengue?

Dengue is a vector-borne disease that causes high fever and flu-like symptoms. It is a viral infection that spread from the bite of an Aedes mosquito carrying the dengue virus (or DENV). Most people recover from dengue fever in a couple of weeks with mild symptoms. However, if the blood platelet count of the patient drops below normal, the disease can be life-threatening.

Symptoms of Dengue Fever

There are several symptoms that can indicate if a person is suffering from dengue fever. Usually, the incubation period ranges from 4 to 7 days, but in some cases, it may go up to 14 days. Given below are the common symptoms of dengue fever:

Severe headache
High fever
Eye pain
Nausea
Joint pain or muscle pain
Vomiting
Fatigue
Body rash
Bleed of mouth, nose or gums
Swollen glands

Severe cases of dengue may require hospitalization, which may lead to a major financial burden. Fortunately, all health insurance companies in India offer dengue insurance for people infected with dengue virus.

Benefits of Buying Dengue Health Insurance in India

Take a look at the key benefits of buying a health insurance policy for dengue:

High Incidence of Dengue

Dengue fever is a menace that Indians face every year, especially during the monsoon. Nonstop rains lead to waterlogging, which provides the ideal breeding ground for Aedes mosquitoes. As per the National Center for Vector Borne Diseases Control, about 289,235 cases of dengue were reported in India in 2023. Therefore, people staying in a hotspot for dengue fever are recommended to buy a dengue health insurance policy in India to afford any medical expenses arising out of the treatment of this viral disease.
Expensive Hospitalization

People suffering from dengue are advised hospitalization if their platelet levels drop below normal. In fact, they may even be moved to an ICU if the platelet level is alarmingly low. In such circumstances, the policyholder may end up paying an exorbitant hospital bill. However, people with a dengue insurance policy can focus solely on recovery, as their insurer will take care of their medical bills.

List of Dengue Health Insurance in India

Check out the list of dengue health insurance plans in India:

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
Cholamandalam Flexi Health Supreme Plan	50,000 to 25 lakh	Adult - 18 to 75 years Child - 90 days to 26 years	May be 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
IFFCO Tokio Family Health Protector Plan	1.5 to 30 lakh	Adult - 18 to 65 years Child - 1 day onwards	Not required for up to 45 years
Liberty HealthPrime Connect Plan	10 lakh to 1 crore	Adult - 18 to 65 years Child - 91 days to 25 years	May be 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
National Parivar Mediclaim Plus Plan	6 to 50 lakh	Adult - 18 to 65 years Child - 90 days to 18 years	May be required
New India Assurance Premier Mediclaim Plan	15 lakh to 1 crore	Adult - 18 to 65 years Child - 90 days to 25 years	Not required for up to 50 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
Raheja Health QuBE Plan	1 to 50 lakh	Adult - 18 to 65 years Child - 90 days to 25 years	May be 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
Royal Sundaram Lifeline Plan	2 lakh to 1.5 crore	Adult - 18 years onwards 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
United Family Medicare Plan	3 to 25 lakh	Adult - 18 to 65 years Child - 91 days to 26 years	-
Universal Sompo Complete Health Insurance Plan	1 to 50 lakh	Adult - 18 to 75 years 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

See More Plans

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

What is Covered Under Dengue Health Insurance?

A dengue health insurance policy provides coverage for the following expenses:

In-patient hospitalization expenses, including room rent, transfusion charges, ICU charges, etc.
Pre-hospitalization expenses
Post-hospitalization expenses
Diagnostic tests cover
Outpatient treatment expenses, including OPD consultations, diagnostic tests, pharmacy expenses and home nursing.
Shared accommodation benefit

What is Not Covered Under Dengue Health Insurance?

The following expenses are not covered under a dengue health insurance policy in India:

Treatment cost of any disease other than dengue fever
Day care expenses
Domiciliary hospitalization
Cost of any treatment or medicine that is not required to cure dengue fever
Treatments taken outside India
Unproven treatment

Tips to Prevent the Risk of Dengue

Here are a few tips to prevent dengue:

Use mosquito repellent to prevent a mosquito bite
Wear long-sleeved clothes and full trousers when going out
Empty and clean containers with stagnant water once a week
Use mosquito nets while sleeping at night
Install nets in your windows and doors to prevent mosquitoes from entering the house
Cover containers with water to prevent the breeding of mosquitoes

FAQs

Q1. Is dengue covered in health insurance?

Ans: Yes. Most health insurance plans cover the treatment cost for dengue.
Q2. Is there a waiting period to claim a dengue insurance policy?

Ans: An initial waiting period of 15 days or 30 days has to be served to file a claim under your dengue policy.
Q3. Does health insurance offer a dengue lump sum benefit policy?

Ans: Yes. Multiple health insurance companies offer a dengue lump sum benefit policy.
Q4. How can I check dengue health insurance cost?

Ans: You can know the dengue health insurance cost by checking the premium chart of the policy. Alternatively, you can also use a health insurance premium calculator on Policybazaar to know the cost of your dengue cover.
Q5. Can I buy a dengue policy online?

Ans: Yes, you can buy a dengue insurance policy online on the insurer’s website or Policybazaar.com.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in