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Hepatitis B is a virus that infects the liver. There are chances that this infection can turn fatal if the patient does not receive the right treatment on time with proper care. No one would certainly want to plan falling ill or to have a Hepatitis B infection. However, it is always better to have hepatitis B insurance coverage.
Availing of health insurance for hepatitis B in India can help an individual to fight the financial odds. This is because the coverage includes most or all treatment expenses, which efficiently curbs the economic hassle on the patient's part. Besides offering financial boons, insurance coverage has other benefits too. In this article, we shall talk more in this regard, including its functioning. Keep reading to unveil them.
India is found to have about 40 million Hepatitis B carriers. Also, as per a report by WHO, over 1,15,000 people in India lose their lives to complications associated with Hepatitis B. Thus, it becomes tremendously crucial to understand and acknowledge the importance of Hepatitis B Insurance coverage in India. Below are some of the factors that justify its importance.
Before insuring an individual, the insurance companies determine their probability of reimbursing the medical expenditures. Also, there are policies offered by companies that not only cover the treatment cost but also the burial expenses, i.e. burial insurance for hepatitis C or hepatitis B.
For this, the insurer asks for details of the applicants which is nothing but the factors that affect the insurance coverage. Read below to know them.
Health insurance for hepatitis b in India have a list of entities that are included and excluded in the cover. It is vital for an applicant to read the policy documents before signing to know what all the insurance company is liable of paying. Given below are some of the inclusions and exclusion of hepatitis B insurance coverage.
There are many companies offering insurance for Hepatitis disease. Most of the insurance policies in India offer coverage for Hepatitis B treatment and related expenses. However, it totally depends on the type of plan or the policy rules prescribed by the company. Hence, reading and understanding the policy before applying is always better.
Below are some of the insurance companies that provide hepatitis B coverage:
Ayushman Bharat Yojna is a scheme launched by the government of India to provide financial aid to Indians for combating Hepatitis B infection.
A health insurance claim is a request an individual must send to the insurance company for compensation for the treatment expenses incurred. There are two ways by which one can settle medical expenses. This depends on the type of policy availed as well as the circumstances of the health severity.
Hepatitis B viral infection targets the liver, causing severe damage, which can sometimes lead to death. Knowing hepatitis B insurance coverage in India is vital as this infection can also disturb other aspects of life besides being harmful to the body. Financial stability is one of those vital aspects that is stroked harder due to Hepatitis B. This affects not only the infection-bearers but their families, too, as most patients in India lack enough resources to pay off their medical expenses.
Consider getting your and your family's health insured to protect or fight against uncertainty or dreadful illness. HexaHealth is always at your service to offer you valuable medical advice related to health insurance or sustaining a healthy lifestyle. Get in touch with us to have your health-related queries answered.
Many companies offer Hepatitis B insurance coverage in India, such as HDFC, Starhealth, Apollo Munich and so on. Also, there are government schemes that offer insurance coverage for this disease.
Many government and non-government organisations offer the best insurance plans for hepatitis B in India. One of them is Ayushman Bharat Yojna, one of the promising government schemes offering the best cashless and paperless health insurance for hepatitis B in India.
There are numerous benefits of hepatitis B insurance coverage; some of them are a less financial burden, insured family, preventive care, cashless claim benefits, affordable premiums, safety from medical inflation, and so on.
Life insurance for hepatitis B carrier patients is possible; however, they must disclose their health condition to the insurance provider. In such cases, either the insurer can decline the application or provide the insurance with a high premium rate.
As per the Affordable Care Act, all insurance companies must include hepatitis diseases in their insurance coverage plans. Thus, Hepatitis A vaccination and testing are covered in health insurance plans offered in India.
Viral hepatitis diseases are covered under Apollo Munich health insurance plans that may include additional disease-related expenses. HDFC ERGO or Apollo Munich offer flexible payment options with cumulative benefits to provide financial security during severe illness.
Many companies offer health insurance for hepatitis B. Some are Apollo Munich, Star Health, Reliance Group, ICICI Lombard, etc. All the health insurance policies for hepatitis B cover the treatment expenses from diagnosis to full recovery.
Life insurance is likely affected if an individual is diagnosed with hepatitis infection. However, the person is still eligible to apply for insurance under the prescribed criteria of the insurer, such as a high premium rate.
Most health insurance plans for Hepatitis cover the cost of treatment, including preventive entities such as vaccine shots and screening tests. The expenses it may exclude are any additional charges apart from the treatment expenses, such as food, telecom, conveyance, etc.
While taking travel insurance, it is always advised to disclose medical conditions such as hepatitis. This should be done to avoid later disagreements that can even lead to cancelling the insurance policy.
Hepatitis is a kind of viral infection which can even lead to death if not treated properly on time. Health insurance for hepatitis patients is required to beat the financial odds and avail of the most appropriate medical services on time.
Most of the insurance policies in India cover hepatitis B vaccination. Also, as per the national immunisation program of India, the hepatitis B vaccine is one of those 12 viral vaccines that are provided for free to the beneficiaries.
Health insurance such as critical illness insurance covers liver cirrhosis treatment as cirrhosis is a critical disease. In case the condition is predetermined before availing of the insurance, there are chances that the premium rate can be higher.
Last Updated on: 9 March 2023
MBBS, DNB General Surgery, Fellowship in Minimal Access Surgery, FIAGES
12 Years Experience
Dr Aman Priya Khanna is a well-known General Surgeon, Proctologist and Bariatric Surgeon currently associated with HealthFort Clinic, Health First Multispecialty Clinic in Delhi. He has 12 years of experience in General Surgery and worke...View More
MSc. Clinical Research I PG Diploma in Public Health Services Management
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His work in medical content writing and proofreading is noteworthy. He has also contributed immensely to public health research and has authored four scientific manuscripts in international journals. He was assoc...View More