Support
closeOur WhatsApp number is a chat only number. One stop solution for all your queries!
While our vulnerable minds and bodies are not yet back to normal post a ruinous pandemic, there is another virus that has started paralysing the world with fear.
After its spread in multiple countries, on July 23rd, WHO declared Monkeypox a global health emergency. This declaration itself explains the seriousness of the disease and the need for a coordinated international response.
Every disease brings with itself not just physical and mental trauma, but also a financial shock. In such cases, your health insurance policy is your saviour and this, in turn, pops up the question:
The answer to the above question is Yes!
Most of the Health Insurance policies cover Monkeypox if it requires hospitalisation. However, for complete coverage, exclusion and terms and conditions of your policy, please refer to your policy document.
The Digit Health Care Plus Policy covers all hospitalisation expenses and in case you have an OPD policy with us, we do cover OPD expenses too.
Important Features |
|||
All Hospitalization, including for Coronavirus This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured. |
✔
|
✔
|
✔
|
Additional Sum Insured- Critical Illness Hospitalization This is an extra cover that can be used in case of any Critical Illness treatment. (For eg: Kidney Failure, Cancer, Liver Failure, Brain Tumor, etc) However, this can only be used after your All Hospitalization coverage is exhausted. |
✔
|
×
|
✔
|
Additional Sum Insured- Accidental Hospitalization This is an extra cover that can be used in case of a hospitalization due to an accident when your All Hospitalization coverage has already been exhausted. |
×
|
✔
|
✔
|
Daycare Procedures Health insurances generally cover medical expenses only for hospitalizations exceeding 24 hours. This covers for medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement. |
✔
|
✔
|
✔
|
No Age Based Copayment A Copayment refers to the amount of money you need to pay from your pocket, during a health insurance claim. In our plans, there is no age based copayment involved! |
✔
|
✔
|
✔
|
Cumulative Bonus If you do not make any claim in a year, Digit rewards you with an increase in your base Sum Insured, without any increase in your annual health insurance premium. This increase in your Sum Insured is called as your 'Cumulative Bonus'. |
×
|
✔
|
✔
|
Refill Sum Insured In some cases it may happen that your Sum Insured is already used up due to an accident or illness, or simply because your entire family was sharing the Sum Insured. In such cases, we give you the benefit to refill it at any point in your policy period. |
×
|
✔
|
✔
|
Room Rent Capping Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured. |
✔
|
×
|
×
|
Standard Features |
|||
Road Ambulance Charges |
✔
|
✔
|
✔
|
ICU Room Rent ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured. |
✔
|
✔
|
✔
|
Complimentary Health Checkups Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice. |
✔
|
✔
|
✔
|
Organ Donor Expenses In case of an organ transplant, if there is a need of an organ donor, hospitalisation charges for the organ donor will be covered. However, the cost of finding a donor is not covered. |
×
|
✔
|
✔
|
Daily Hospital Cash Getting admitted in the hospital results in expenses beyond the hospital bill. Digit understands this and pays you a daily cash allowance, that helps you manage daily expenses for things such as snacks, tea, coffee and more. This benefit is applicable after 1 day up to 30 days of hospitalization. |
×
|
✔
|
✔
|
Home Hospitalization Under certain unavoidable circumstances, if your parent requires treatment or hospitalization at home, this cover can be helpful. |
×
|
✔
|
✔
|
Post Hospitalization Lumpsum This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post-hospitalization benefit, through the process of reimbursement. |
✔
|
✔
|
✔
|
Psychiatric Illness Cover If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this. |
✔
|
✔
|
✔
|
Bariatric Surgery This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered. |
✔
|
✔
|
✔
|
Additional Covers |
|||
Maternity Benefit with Newborn Baby Cover If you plan on having a baby in the next two years or so, you can opt for this. It covers for child-delivery (including medically necessary terminations), infertility expenses and coverage for the newborn baby up to its first 90 days. |
✔
|
✔
|
✔
|
Alternate Treatment (AYUSH) If your parents wish to get hospitalized under an alternate therapy such as Ayurveda, Unani, Siddha and/or Homeopathy. |
✔
|
✔
|
✔
|
Zone Upgrade Every city falls either in Zone A, B or C. Zone A has Delhi and Mumbai. Zone B has cities like Bangalore, Hyderabad, Kolkatta. The zones are divided as per medical costs. Zone A cities have highest medical costs therefore the premium to get a treatment under health insurance in these cities is a bit higher. If you wish to get treated in a bigger city than where you live, you can upgrade your plan for the same. |
✔
|
✔
|
✔
|
Monkeypox, a zoonotic viral disease (i.e., it can spread from animals to humans) is caused by a virus belonging to the same family as that of smallpox virus and thus, the symptoms of monkeypox are very similar to that of smallpox, though less severe. Post eradication of smallpox in 1980, this is the most concerning orthopox virus that has emerged once again posing a threat to public health.
The Monkeypox virus was first identified in 1970 and was an endemic mostly prevalent in Central and Western Africa. The first infection outside the endemic areas was found in 2003. However, post 2018, though in rare occurrences, the virus has been reported in other countries as well.
Post virus exposure, the symptoms might take several days to a few weeks to appear. Early signs of Monkeypox are almost flu like and might include one or more of the below:
After a few days, rashes start developing. These rashes start as painful red bumps. These bumps gradually turn into pus filled blisters that eventually crust and fall over. The symptoms usually last for 2-4 weeks and vary considerably across people. In the recent outbreak milder symptoms have been observed.
The spread of Monkeypox is mainly through close contact with the infected person or animal through body fluids or lesions. Transmission through respiratory droplets requires a prolonged exposure. It can also spread through coming in contact with the contaminated belongings of the infected person.
Transmission can also occur via placenta from mother to foetus resulting in congenital Monkeypox or during and after childbirth due to the close contact.
Since the rodents are the most likely reservoir of this pathogen, eating uncooked or partially cooked meat can also be a risk factor for Monkeypox spread.
Since monkeypox presents the same symptoms as any other flu or pox, it might not be detected in earlier stages. The usual distinguishing feature is swollen lymph nodes and then subsequent diagnostic tests.
For the diagnostic tests, usually a tissue sample is collected from an open lesion, which is then sent to the lab for PCR (Polymerase Chain reaction or genetic fingerprinting) test.
A blood test might also be performed to check the presence of Monkeypox virus or the related antibodies in the blood stream.
The treatment of Monkeypox is symptomatic. Clinical management of Monkeypox includes alleviation of symptoms, managing complications and preventing long term effects. Patients should be kept completely hydrated to prevent water loss and complete hygiene should be followed to prevent secondary bacterial infections as well as to mitigate the spread of the disease.
Monkeypox is a self-limiting disease, and its symptoms last for usually 2-4 weeks.
Being from the same family, a smallpox vaccine works for Monkeypox virus. Prevention depends on decreasing human contact with infected animals or humans. The below measures would help in doing this:
Disclaimer: The above details are information from various government websites and other source. They are for just informative purposes and do not, in any way, represent our view or recommendation. Please seek medical help if required.
Sources:
Monkeypox National Health Portal Of India | Monkeypox (who.int) | Monkeypox (who.int)