Is your health insurance leaving you vulnerable to monsoon illnesses?

Health insurance, with a minimum of Rs. 25 lakhs coverage, is vital for infectious diseases. OPD, pre-existing disease coverage, and family floater plans are crucial.

disease coverage

After COVID-19, other deadly infectious diseases like dengue and Nipah are rising. Tackling these challenging situations with proper health insurance is essential. While prevention is the best approach, being proactive is prudent.

So, how can you prepare for such health risks? Investing in a perfect health insurance plan according to your needs is the answer.

In this blog, we will understand how to choose the right health insurance plan for you and vital aspects like protection against diseases like dengue and Nipah.


  • A higher sum insured, at least Rs. 25 lakhs, will best handle these challenging situations properly.
  • In your health insurance, check for OPD and day-one coverage.
  • You should cover grown-up children under a separate plan for better results.

How to choose a comprehensive health insurance plan?

Standard health insurance policies typically cover these illnesses. However, severe conditions may lead to prolonged hospitalisation. So, it's best to opt for a minimum sum insured of Rs. 25 lakhs. Nowadays, many policies offer extended coverage up to Rs. 1 crore for a reasonable premium, especially in urban areas.

Also Read: Decrease your health insurance premiums

OPD coverage

Your health insurance should also cover outpatient department (OPD) treatments. With uncertain doctor consultations, tests, and diagnostics rounds, OPD coverage is a prudent choice. It should also cover daycare procedures requiring less than 24 hours of hospital admission.

Does it cover pre-existing diseases?

Smoking, poor diet, and lack of physical activity increase the chances of cardiovascular disorders, diabetes, and chronic lung ailments. Some plans offer day-one coverage for diabetes and hypertension. Dengue and Nipah can worsen these conditions, so choose a policy with a short waiting period or immediate coverage.

Also Read: How to make additions to an employee group health policy

Choose between a family floater or an individual plan

Infectious diseases like dengue and Nipah can affect multiple family members simultaneously. That's where family floater plans are best to cover each family member adequately.

For example, consider a family floater policy of at least Rs. 1 crore for a family of four. It is best to cover your elderly parents and grown-up children with separate plans.

The bottom line

In conclusion, safeguarding against infectious diseases like dengue and Nipah through health insurance is paramount in the post-COVID-19 era. Opt for a higher sum insured, prioritise OPD and pre-existing disease coverage, and consider family floater plans for comprehensive protection. Make informed choices to secure your health.

Disclaimer: This article is intended for general information and should not be construed as investment, tax, or legal advice. You should obtain independent advice when making such decisions.

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