Does your health insurance cover black, white fungus disease?
The treatment cost relate to black and white fungus disease is cover under all comprehensive health insurance policies.
By default as these diseases are in-built and thus, you need not hold any special health plan to be cover.
As India continues to battle against the second wave of coronavirus.
The country is now witnessing rare fungal infections—Black & White Fungus Disease?.
Moreover, many states have announce these as epidemic diseases.
These diseases are affecting patients who have either recover or are suffering from covid-19.
in the wake of this infection outbreak
The Union government has urge all the states to proclaim black fungus as an epidemic disease.
The state governments of Rajasthan, Tamil Nadu, Karnataka, Uttarakhand, Delhi and Maharashtra have announce it as an epidemic and have started taking several preventive steps to safeguard the people from these deadly infections.
More than 10,000 cases of black fungus and hundreds of white fungus cases have been record across the country till now.
The treatment cost for these infections at private hospitals is also costly and can be unaffordable for many.
Black fungus, also known as mucormycosis
A rare infection cause by a group of moulds known as mucormycetes, which are generally find in soil, plants, manure and decaying vegetables and fruits.
It affects the nasal cavity, paranasal sinuses and eye, causing blindness and other severe medical conditions.
Diabetes and high doses of steroids are the major stimulators of this infection.
White fungus, also known as candidiasis, is a fungal infection cause by the candida yeast, a fungus type.
It affects people with low immunity and pre-existing medical conditions such as HIV, cancer, diabetes, etc.
People are more vulnerable to it as the moulds can be easily inhale, spreading to vital organs such as lungs, kidneys, brain, etc.
Policyholders can heave a sigh of relief to know that the treatment cost relate to black fungus.
White fungus is cover under all comprehensive health insurance policies by default as these diseases are in-built and thus.
You need not hold any special health plan to be cover.
Policyholders have to fulfil the terms & conditions
As specify in their health insurance policy like informing their insurer about pre-existing illnesses, plan or emergency hospitalization, submitting all the require documents, etc.
At least 24 hours of hospitalization is require to make a claim.
Some states have gear up to incorporate black fungus cover in their state health insurance programmes.
The government of Maharashtra has announce that patients suffering from black fungus will get cover up to ₹1.5 lakh under health insurance schemes like the Pradhan Mantri Jan Arogya Yojana and Mahatma Jyotirao Phule Jan Arogya Yojana.
The Rajasthan government has announce the Chiranjeevi Yojana Insurance Scheme to cap admission.
Treatment costs at private hospitals for those suffering from the disease.
Super top-up plan
if you are cover under the employer’s group insurance or have a super top-up plan, the policy will cover fungal diseases.
However, coronavirus-specific policies might not cover these diseases.
Though mucormycosis is found to be cause by the heavy dosage of steroids to cure covid19 patients, unfortunately, covid19-specific policies don’t cover the treatment of mucormycosis.
As there is still a grey area whether the diseases will be cover.
In such a case, settlement of the claim will depend on the insurer.
If you have comprehensive health insurance, you can raise a claim for the treatment of black fungus and white fungus.
You can avail of a health insurance claim by sending an intimation of hospitalization to your insurer.
Then locating a cashless network hospital near you.
Keep the requisite documents handy for a hassle-free and quick claim settlement process.