Will your insurance policy cover monkeypox?

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The World Health Organization (WHO) does not expect monkeypox to turn into another pandemic, but there are many fears about the disease, ranging from how it spreads to its character. infectious. There are also doubts regarding health insurance coverage. Will a travel policy trigger if one contracts the disease while traveling abroad? Will a health insurance policy cover hospital expenses incurred in India?

“With regard to international travel insurance, it is important to note that some travel policies only cover accidental death and accidental hospitalization, but not medical hospitalization. If a client opts for the medical expense feature in his travel policy, only then will all his emergency medical expenses such as inpatient charges, outpatient and cashless hospitalizations be covered while traveling abroad,” explained Rakesh Jain, CEO of Reliance General Insurance.

As of May 26, a cumulative total of 257 laboratory-confirmed cases and around 120 suspected cases have been reported to WHO from more than 23 countries. The WHO also said that further, the sudden onset and wide geographic spread of many sporadic cases indicate that widespread human-to-human transmission is already underway and the virus may be circulating unrecognized for several weeks or longer.

Bhaskar Nerurkar, Head of Health Administration Team, Bajaj Allianz General Insurance, confirms: “Since monkeypox is a viral infection, it is covered by Bajaj Allianz General Insurance travel policies as well as regular health insurance policies. Currently, none of our policies have specific monkeypox exclusions. »

All illnesses contracted and treatments taken during an international trip are covered by travel insurance for medical expenses within the limits or sub-limits of the sum insured. “Cohabitation, however, is generally not included in policy coverage, so it is prudent to read the policy’s features and exclusions thoroughly and choose the right add-ons to ensure that one is properly covered,” Jain said.

Will your health insurance policy cover the illness if contracted in India?

“We need to understand that all infectious diseases, including monkeypox, are covered by the basic health insurance policy. If a person is diagnosed and hospitalized in India upon arrival or after arrival, they will be covered under an individual health insurance policy and not a travel insurance policy. A travel insurance policy ceases to be valid once the trip is over,” Jain added.

According to the WHO, the situation is changing rapidly and it is expected that there will be more cases identified as surveillance expands in non-endemic countries, as well as in countries known to be endemic that do not have not recently reported cases.

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