Monkeypox is growing to be a serious concern while travelling to international destinations. Positive cases of monkeypox are getting reported in countries such as the United States, the United Kingdom, Australia, and more. Though it is not a global outbreak yet, it is our responsibility to stay alert while travelling abroad. It is advisable to get insurance for the monkeypox virus before boarding a flight to land at a distant destination.
Insurance Will Cover Your Expenses If You Contract Monkeypox
Health insurance policies mostly cover diseases and infections happening due to viruses. So if you are contracting the monkeypox virus, your insurance policies will take care of the medical expenditures and charges. A very important point is that the health insurance policies will fund any medical costs only if incurred in India. Any sort of treatment charges and medical expenditures outside India will not fall under the health insurance policies.
Read The Insurance Policies Thoroughly
It is very important to stay aware of the inclusions and exclusions of the insurance policies. You should stay alert especially before travelling abroad during the time of rising Monkeypox. According to the rules of insurance policies, they will not provide any coverage against treatment and medical expenditures within 30 days of purchasing the policy. Also, it’s better to purchase a travel insurance policy if your policy doesn’t cover the cost of treatment incurred overseas. Go through all the policy features and then select the appropriate travel insurance policy.
Raghavendra Rao, chief distribution officer of Future Generali India Insurance shared, ‘Health insurance policies do cover infectious diseases contracted outside India. However, the treatment should be taken in Indian territory subject to policy terms.’
Look Out For These Points Before Buying Insurance
There are some distinct points to check while purchasing the travel insurance policy. Search whether they are providing coverages in case of coming back to India due to medical emergencies. Also, look if they are covering the hospitalisation charges for any sudden accidents or death due to accidents.