Does Health Insurance Policy Plans provides protection for Monkey pox?

Monkey pox is one of the latest diseases which is making its way to India very quickly while we humans are still battling and processions the consequences of the COVID-19. In the span of just two weeks, four major cases of monkey pox have been detected in India itself. Besides, the World Health Organization declared monkey pox the global health emergency. Fearing that the disease will spread rapidly just like COVID-19, citizens want to know if this rapidly spreading monkey pox is covered by health insurance in India or not.

What is Monkey Pox?

Monkey pox is a rare viral disease which happens because of the monkey pox virus which is of the ortho pox virus family. Most of it’s symptoms are similar to the smallpox but are  comparatively lesser contagious. Monkey pox is an extreme communicable disease which goes viral from one person to another by just coming in close contact with any of an infected person, animal or even the contaminated material like clothes. It can also spread from one person to another person through the exchange of body fluids from an disease infected person. Commonly, the disease stays within the person for approximately 2 to 4 weeks and fades away on its own. Though, the disease can prove to be hazardous and bring in some major complications in children that can also turn out to be life threatening at times. Monkey pox is most commonly found in areas of tropical rainforest of the west and central Africa. However, an outbreak of Monkey pox was seen in the United Kingdom in May 2022 and within the spam of two months, it paved it’s way to India as well. By 24 July 2022, more than 16,000 cases of monkey pox have been registered and detected across 75 countries across the globe. In fact, some of the major leading countries have declared and announced monkey pox as an endemic because of major loss and damage. Looking at the increasing number of monkey pox cases across the globe, World Health Organisation (WHO) has declared monkey pox a global health emergency on 23 July 2022. In such a situation, a lot of people want to know if their health insurance policy will cover the treatment cost of monkey pox.

Who does Monkey Pox actually affects?

Monkey pox causes illness which is lesser severe among adults and is rarely fatal. However, children are more prone to monkey pox as compared to adults.

What are the signs and symptoms of the monkey pox infection?

The symptoms of the super fast spreading monkey pox are milder than the small pox. Some of the most common symptoms of monkey pox are mentioned below:-

1. Fever

2. Rash on the face and body which looks like pimples or blisters.

3. Chills

4. Headache

5. Swollen lymph nodes

6. Muscle aches and backache

7. Exhaustion

8. Discomfort

How is Monkey Pox diagnosed?

Doctors diagnose monkey pox using several techniques:-

Lab Tests: This technique involves testing of the fluid from lesions or dry scabs. These samples can be tested for the virus using a polymerase chain reaction (PCR) test.

Biopsy: A biopsy includes removing a piece of skin tissue and testing it for the virus.

When should I see my Health Care Provider?

Whenever you as a customer feels lost or stuck at a point, you should contact your insurance provider for assistance.

Is Monkey pox Covered by Health Insurance Plans in India?    

Yes. Monkey pox is included under the plans and policies offered by all the Health Insurance Companies in India. This is due to reason that monkey pox is an infectious disease and all the health policy plans provides coverage for all the medical expenses that come up in the treatment of an infectious diseases. Thus, each and every regular health insurance plans will offer coverage for the treatment expense of monkey pox. Any individual who is with a valid health insurance policy plan is eligible to get coverage for the expenses which includes, hospitalization, OPD treatment cost, ambulance charges, ICU charges, and more. However, the range and scope of the policy coverage will differ from one plan to another. For an example, hospitalization costs are covered by most health insurance plans. However, OPD treatment expenses are covered under few of the plans only. Therefore, it is recommended to read the terms and conditions of the Health Insurance Policy Plan before raising a claim.

Waiting Period for Monkey Pox Under the Health Insurance Policy Plan?

A Health Insurance Policy Plan will not offer coverage for monkey pox from the very first day. Instead, the coverage will be available after the waiting period is over. All the regular health insurance plans in India are made with an initial waiting period of about 30 days. During this period, all the non-accidental claims are not covered by the insurance company.

Thus, a policy owner will be able to raise a claim for monkey pox only after the initial waiting period of 30 days is crossed. In case the insured individual raises a claim within the first 30 days of the policy start date, the insurance company will reject the claim.

Top and Easy Tips and Ways to Prevent Monkey Pox

Take a look at few easy tips to prevent getting infected with the monkey pox virus:

1. Avoid being in close contact with an individual who have a rash similar to that of monkey pox.

2. Do not touch the rash of an individual infected with the monkey pox virus.

3. Keep washing your hands regularly with soap and water or you can also use an alcohol based sanitizer to keep your hands clean.

4. Stop sharing food or do not drink water from the glass used by a monkey pox infected individual.

5. Make sure to eat fully cooked meat only.

6. Avoid touching the bedding, clothes and towels of an individual infected with the monkey pox virus.

7. Avoid coming in close contact with stray monkeys, rodents and sick or dead animals

Conclusion

Monkey pox is streching it’s arms and veins across the globe with each passing day. Although, it is less infectious than the small pox, but it can lead to some major complications, especially in the  children. The best recommendation for you is to keep yourself fully prepared and equipped for an outbreak by already protecting your entire family under a Health Insurance Policy Plan.