Over the years, the mounting dengue outbreak across the globe has led to unprecedented public debate. And why shouldn’t it? People should leverage the situation to bring about changes in public health policies and the overall governing system so that dengue, the world’s fastest growing mosquito-borne disease, currently threatening half of the world’s population is restrained and eradicated over a period of time.
In simple words, in a country like India and several other developing nations, while we cannot deny the fact that mosquitoes cannot be exterminated and despite several preventive steps like fumigation, removing wet waste material, covering septic tanks and soak pits are being taken, the number of dengue cases is yet to drop. So, what’s the solution? While it’s an elaborate one, with right governance, it can be an enormous accomplishment. Did you know that our health ecosystem can be divided into four broad components – services provision, resource creation, right insurance, and governance? A systematic and concerted strategy encasing the four above mentioned mechanism is required to help diminish and eventually wipe out dengue.
The economic burden that is inflicted by dengue in India is around $1.11 billion a year. Now, that’s quite an alarming stat isn’t it? However, as of today when the ailment is so rampant, the burden can be reduced considerably through coordinated efforts by public health authorities and creating wider awareness of diseases and specific insurances to cover dengue patients. Existing health insurance plans cover dengue but 80% of Indian population does not have any kind of health insurance. Hence there is an immense burden on out-of-pocket expenditure. Additionally, home care and OPD expenses for dengue are not covered by any health insurance plan and in most dengue cases hospitalisation is not even required. This is one of the major reasons why availability of hospital beds is adversely affected during dengue outbreak season.
For the first time in India, Apollo Munich launched Dengue Care – an Over the Counter (OTC) standalone health insurance for the most widespread infectious disease, dengue feverat just Rs 1.20 per day. Dengue Care provides indemnity + OPD cover for dengue and that too at a surprisingly affordable cost of Rs 444 for a sum insured of Rs 50,000 and Rs 578 for a sum insured of Rs 1, 00,000.
Here is some of its USPs-
At home care: When struck with dengue, on an average, you may have to shell out anywhere between Rs. 30,000 to 40,000 for hospitalisation. Further to it, if you require only at-home care or check-up services, your insurance won’t cover it. Dengue Care provides coverage of Rs 10,000 for home care and outpatient expense like diagnostic tests, doctor consultation, home nursing and pharmacy, something that most or should we say no other insurance plan offers.
Uncomplicated buying process: It’s an ease to get insurance that keeps in mind the expenses that a dengue treatment can incur, and covers them without hassle. It’s one of the first over the counter products in India that address infectious diseases. It does not entail complex medical underwriting and does not require any medical tests. All one has to do is fill up the form and provide a self-declaration that they are dengue free while making the purchase, and can avail the benefits after 15 days from the policy purchase date.
Ease: The product is sold online through distribution partners, agents and direct sales force of the company. The 3-click online policy issuance on the website makes this policy one of the easiest insurance policy to buy in today’s market place.
Perfect add-on cover: At an older age, bumping up a regular health insurance policy can be much expensive than purchasing a flat premium for a Dengue Care plan. For health insurance policy holders, it helps in keeping the no claim bonus intact.