While people are yet to recover from the trauma caused by coronavirus, a new virus named Monkeypox has started to trigger panic worldwide. The surge in cases resulted in the World Health Organisation (WHO) declaring the virus a Public Health Emergency of International Concern.
With the disease and its symptoms still unknown to many, questions about health insurance coverage for such illnesses are becoming increasingly relevant. Let’s understand this virus, its symptoms, and whether health insurance policies cover Monkeypox.
What is Monkeypox?
A virus from the Orthopoxvirus genus, the same genus responsible for smallpox, causes Monkeypox. If you contract this virus, you will initially experience fever, muscle aches, and fatigue. As the disease progresses, a rash will develop, which goes through various stages, as discussed below —
Stage 1: Macules, flat and discoloured spots
Stage 2: Papules, raised bumps
Stage 3: Vesicles, fluid-filled blisters
Stage 4: Pustules, pus-filled lesions
These lesions may appear on the face, feet, or other body parts. If the condition is not treated, lesions can damage large areas of the skin.
You may contract this virus by coming into contact with an infected person, either through direct contact with his/her rashes or by using contaminated bedsheets, towels, or other items. Infected animals can also spread the disease.
Does your health insurance policy cover Monkeypox?
Yes, many insurers cover Monkeypox under their health insurance policy as they see it as an infectious disease. However, it is important to read the policy document and, if required, contact the insurer’s support team to understand the expenses associated with Monkeypox that your policy covers.
Here are some common factors that insurers cover:
- If your condition worsens and you require hospitalisation, the insurer will reimburse the cost of treating your condition, including pharmacy expenses.
- In the event that there are no rooms or beds available in the hospital where treatment for Monkeypox is available, and arrangements have been made at home to treat the condition, such domiciliary hospitalisations are covered under health insurance.
- Admission to the hospital to treat Monkeypox, even if the duration of stay is less than 24 hours, is covered.
- The insurer also covers post-hospitalisation expenses necessary for recovery from the disease.
- Most health insurers also cover room rent, provide daily hospital cash, and reimburse ambulance charges.
How to raise a claim for Monkeypox?
- Reimbursement Claim
Step 1: Call your insurer’s toll-free number to inform them that you have been diagnosed with Monkeypox. You can find this number on the insurer’s website or its official medical insurance app.
Step 2: Collect all the documents required for smooth claim processing. You will need hospital bills, receipts, a discharge summary, laboratory test reports, and a doctor’s prescription.
Step 3: Complete the claim form and ensure your provided details are accurate.
Step 4: Submit the claim form with all the required documents via the platform you initiated the claim from – insurer’s website or medical insurance app.
Step 5: Wait for your insurer’s claims department to verify the documents. The bill amount will be disbursed within a few working days if they are satisfied.
- Cashless Claim
Step 1: Locate the nearby network hospital. You can find one on the insurer’s website or by contacting the support executives.
Step 2: Notify your insurer or the Third-Party Administrator (TPA) desk at the network hospital about your condition and that you seek treatment.
Step 3: Complete the pre-authorisation form and submit the necessary documents, such as a copy of your policy document and identity proof.
Step 4: The TPA will review the reason for admission and verify your documents and if satisfied, they will issue an approval letter.
Step 5: If your condition necessitates emergency hospitalisation, the hospital staff will assist in completing the necessary formalities.
Step 6: After the treatment, the hospital will send the final bill and discharge summary to your insurer for settlement.
How to prevent Monkeypox?
- If you are taking care of a person with Monkeypox, wear gloves, masks, and gowns to protect yourself from touching infected body fluids or contaminated surfaces.
- Wash your hands regularly with soap and water, especially after contact with people or animals. Use an alcohol-based sanitiser when soap is not available to reduce virus transmission.
- Pay attention to health alerts or travel restrictions related to Monkeypox, especially if visiting regions with known outbreaks.
Conclusion
While health insurance coverage for Monkeypox and other infectious diseases is typically available under most health insurance policies, it is essential to understand your policy’s specific terms and conditions, inclusions, and exclusions. Remember, timely action and understanding your coverage can make a significant difference in managing health-related challenges effectively.
