waterborne diseases

All You Need To Know About Water Borne Diseases And Insurance Cover For Them

‒ October 15, 2019 ‒ Leave your thoughts

In 2017, there were more than 10,500 cases of death from waterborne diseases. Around 4% of global malaria cases are from India; the other countries topping the list are from the African continent.

Dengue, another waterborne disease, is also seeing a widespread impact in recent years. Between 2010 and 2014, dengue cases have increased by 80% per million. It affected more than 40,000 individuals back in 2018.

These diseases are mainly caused by pathogenic bacteria and microorganisms that contaminate the freshwater. Diarrhoea is one of the most prevalent illnesses that occur during monsoons. Diarrheal bacteria can be transmitted while bathing, washing, drinking, cooking, etc. There is no comprehensive way that can stop the contamination at the source.

Even if not fatal, these diseases can lead to hospitalisation for several days and cause individuals to spend a considerable amount to avail healthcare. There is also a significant loss of working days due to such diseases like dengue, malaria, etc. Hence, having a water borne diseases health insurance policy act as a shield that protects you from financial setbacks caused during treatment.

However, there are certain things individuals must ensure before availing an insurance policy. They must know about the terms of the policy provider. Reputed insurance companies provide facilities with their health insurance policies that make them highly reliable and convenient.

Listed below are specific features that your water borne diseases insurance policy must provide:   

  1. High sum insured: The coverage limit on the insurance policies is high; these cover doctor’s fees and other charges. Also, there is a considerable possibility of incurring substantial expenses on medicine and diagnostics. In such cases, having a high sum insured is crucial — a coverage limit of Rs. 50,000 is a must.

Companies like Bajaj Finserv offer Pocket Insurance policies like Water Borne Diseases Insurance that offers coverage of hospitalisation charges like doctor’s fees, room rent, diagnostics, medicines, etc. 

  • Hospitalisation coverage: Some individuals tend to neglect the symptoms thinking its common cold. After a certain time when conditions worsen, they need to be hospitalised, and complications occur. It is always recommended by health experts to get checked up in case of any water borne disease-related symptoms appear. Before things worsen, you need to make sure that your water borne diseases health insurance has provisions for hospitalisation charges.

Hence, availing a dengue cover is essential to keep yourself financially covered for such diseases. Companies like Bajaj Finserv provide this policy with coverage of up to Rs. 50,000. You also get protection from pre and post hospitalisation, medications, and many more expenses. This insurance policy also protects you in case of malaria.  

  • Hospital expenses: A water borne diseases insurance policy covers all the expenses that you incur during hospitalisation. Such expenses can include, doctor’s fees, diagnostic tests, medicines, etc. These plans cover room rental charges of up to Rs. 1,000 per day for standard ones and up to Rs. 2,000 for ICU beds.

Buying water borne diseases health insurance policy provides a high degree of convenience in times of sickness. You only have to pay a minimum premium to avail such policies.

Additionally, you can opt for Pocket Insurance policies like hospital cash cover from NBFCs like Bajaj Finserv to avail additional protection. This insurance plan provides coverage of up to Rs. 10,000. You also avail up to Rs. 1,000 every day as a cash allowance in the event of hospitalisation.   

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