Monkeypox virus: Will there be insurance coverage in India and when traveling abroad – Find out

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The first confirmed case of monkeypox in the country has been detected in the country. Monkeypox is essentially a virus transmitted to humans from animals with symptoms very similar to those seen in the past in smallpox patients, although clinically less severe. Yet, as with Covid-19, if there is a need for hospitalization, one must be prepared to meet the cost of hospitalization.

Health insurance policies have a role to play in covering hospital costs arising from the treatment of any illness, infection, etc. “Following the first case of monkeypox reported in India, it is important to remember that all illnesses are covered under the basic health insurance policy. If a person is diagnosed and hospitalized, then they will be covered by an individual health insurance policy,” says Rakesh Jain, CEO of Reliance General Insurance.

However, when it comes to travel insurance policies, the situation may not be the same. If someone contracts the infection after arriving in India, the travel insurance will not provide the cover. And, when traveling overseas, you need to be careful when buying the right travel coverage.

“If someone is traveling overseas, it is imperative to note that some travel policies only cover accidental death and accidental hospitalization. Medical hospitalization is not included in these policies. Customers should opt for the Medical Expenses feature in their travel policies to ensure that all emergency medical expenses such as hospitalization, outpatient treatment and cashless hospitalization will be covered while traveling internationally. against monkeypox while traveling abroad are covered by travel insurance under the Medical Expenses function to the extent of the limits or sub-limits of the sum insured. ‘is generally not included in the policy’s coverage, so it’s a good idea to go through the policy’s features and exclusions in detail and choose the right add-ons to ensure adequate coverage,’ warns ient Jain.

In short, if you intend to travel abroad, buying a travel insurance policy that provides medical coverage in foreign countries becomes very important.

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