How Does An Insurance Policy Cover Typhoid Treatment?

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Waterborne Diseases

According to researches, around 800 out of every 1 Lakh individual are affected with typhoid fever each year. If not appropriately treated, the disease can be fatal. 

The expenses required behind the treatment of this disease can become expensive, depending on the severity of the disease. Thus, getting insured with a typhoid fever health insurance scheme can be one way in which you can meet the expenditures of such diseases. 

Symptoms

Given below are some of the signs that can help you understand if you are affected by the disease. 

These symptoms include:

  • Headache
  • Fatigue
  • High fever
  • Sweating
  • Diarrhea
  • Weight loss
  • Constipation
  • Swollen abdomen

Additionally, individuals affected with typhoid fever may also have muscle aches, weakness, loss of appetite, rash, etc. 

Causes

Typhoid fever is a kind of a disease which occurs due to the contamination by the salmonella typhi bacteria. An individual may also be affected by this disease from another one bearing this bacteria. It can also spread through contaminated water and food. 

To help with the expenditures incurred to avail healthcare during such disease, you can avail Pocket Insurance schemes like Water Borne Diseases Insurance Cover offered, which provides a higher coverage limit of Rs 50,000 against a minimal premium amount. This policy helps in meeting several expenses like hospitalisation costs, doctor fees, diagnostic tests charges, medical and medication expenses, etc. 

Treatment

The treatment for such a disease may include antibiotic therapy. However, in some cases, patients also might have to be hospitalised depending on the severity of the disease. This is where insurance schemes can be an ideal solution to help meet the cost of the treatment. 

How do insurance schemes help?

When you avail a health insurance policy do look out for the below-mentioned features: 

  • Sum assured

The treatment expenses may be a sudden burden on your pocket; thus, purchase plans that have affordable premiums, and the sum assured is higher enough to cater to the cost of your treatment. 

  • Easy application process

The application process of schemes like insurance for typhoid is convenient, and you can do so online. To apply, visit the official website of your insurer and fill an application form. Furnish all the required documents online and make the payment towards your premium. 

  • Wider coverage

The typhoid fever health insurance schemes offer wider coverage and provide you with financial protection from: 

  • Hospitalisation costs

These schemes provide financial protections to the expenses required during hospitalisation. Additionally, you can also avail Pocket Insurance schemes like Hospital Cash Cover  that has a higher sum assured up to Rs. 1 Lakh against a minimal annual premium of Rs. 322. This insurance scheme provides daily cash benefits up to Rs. 3,000 per day. 

  • Doctor’s fee

You get coverage for the expenses behind your doctor’s fee, both before and after hospitalisation. 

  • Treatment charges

Individuals can claim coverage for the costs required for the treatment that includes room rent, medicines, diagnostic tests, ICU, etc. 

You can also avail other Pocket Insurance schemes for water borne diseases like Dengue Cover that provides a higher coverage up to Rs. 50,000 against an annual premium of Rs. 299. You can claim protection for the expenses involved in hospitalisation like room rent, ICU, medicines, etc. 

In addition to the above, you also get coverage for medical expenses, diagnostic tests, etc. under this policy. 

  • Easy claim process

You can claim coverage under the typhoid fever insurance cover by contacting your insurer from the contact details provided on their official website. 

Besides the above, also check the payment method provided by your insurer. You can choose UPI, credit or debit card, mobile wallets, etc. to pay your premiums online. Lastly, do check what is covered and what the exclusions of your plan are before you purchase.