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What is Covered in Dengue Insurance?

The following are the things that the dengue insurance plans in India cover:

  • In case the policyholder is diagnosed with dengue, the policy usually pays ₹10,000 upfront for outpatient treatment, medications, diagnostic tests, outpatient consultancy, home care treatment, and more.

  • The policy covers the room rent for a single AC room.

  • The policy covers the pre and post-hospitalisation costs of up to 15 days. It also includes the expenses arising from investigations, consultations, and medications.

  • The policy covers up to six members under it. However, note that this clause may differ from insurer to insurer in India.

What is Not Covered in Dengue Insurance?

The following are the exclusions of dengue insurance plans available in the market:

  • The policy does not cover any other claims made except for dengue unless it is a complete health insurance plan like Bajaj Allianz Health Insurance on Bajaj Markets.

  • The policy does not cover the treatment expenses for any unauthorised individual/member.

  • The policy does not cover the cost of medicines that are not necessary for the treatment of the disease.

  • Claims cannot be made in case the policy is inactive.

  • The policy does not cover newborns or people above the age of 65 years old.

  • The policy does not cover treatments availed outside of India.

Dengue Insurance: Waiting Period

The waiting period in any insurance plan is the duration where one cannot raise any claims against the policy. When it comes to the dengue cover policy in India, the waiting period is usually 15 days from the initiation of the policy. It also depends on the terms and conditions of the insurer, and is applicable when buying the policy only and not during the renewals.

What is the Free Lookup Period?

Every insurer in India offers a free lookup period of about 15 days. During this time, if one is not satisfied with the coverage of the purchased insurance plan, exclusions, etc. they can decide to discontinue the policy. The same is applicable for dengue insurance in India. The free lookup period allows people to cancel the plan if it does not meet their needs and get the premium amount refunded.

What are the Conditions to Claim Against Dengue Insurance in India?

One can either choose to avail the cashless claim settlement option or reimbursement option when claiming against dengue insurance in India. Let us take a look at the conditions applicable to both these options:

  • Cashless Claim Settlement

    • The insurer needs to be informed within the first 24 hours of the emergency hospitalisation. Any delay in this process can result in claim rejection.

    • The insurer needs to be notified at least 48 hours in advance in case of planned hospitalisation.

    • After claiming against dengue insurance, the insurer will assess the application and send across an authorisation or rejection letter.

  • Reimbursement of Claim

  • The insurer has to be informed within seven days of availing the dengue treatment.

  • One needs to submit a duly filled claim application form along with other supporting documents to initiate the reimbursement process.

  • The insurer will revert in seven days if they need any more documents to verify the application.

  • The claims made against dengue cover policies usually take up to 30 days to be settled by the insurer.


Dengue cases in India are quite frequent. Many people lose their lives due to the lack of adequate treatments and insufficient funds. Hence, one must have dengue insurance to cover the expenses of the treatment. However, with health insurance plans at Bajaj Markets, one does not need additional dengue insurance/coverage as the treatment expenses of the disease are covered under the basic plan itself.

So, enjoy quick claim settlements, rider benefits and easy renewal with health insurance plans available on Bajaj Markets now!


Health Insurance Plans Available at Bajaj Markets

FAQs on Dengue Insurance

Is it beneficial to opt for a dengue insurance plan?

A dengue insurance policy offers you coverage against the vector-borne disease, dengue, at an affordable premium rate. The plan also includes OPD cover, pre and post-hospitalisation expenses, diagnostic tests, medication and more, making it a beneficial insurance cover.

Does dengue treatment require hospitalisation?

The requirement of hospitalisation for dengue can vary based on your symptoms. In the case of uncomplicated dengue fever, the disease can be treated with Out-Patient treatment. However, it is recommended to consult your doctor and follow their medical advice.

Do comprehensive health insurance plans cover diseases such as dengue?

Many comprehensive health insurance policies do cover several diseases including dengue, however, the coverage may vary. Costs incurred due to OPD treatment, diagnostic tests and medication might not be covered under the insurance plan. 

Can I get tax benefits on the dengue health insurance plan?

Yes, you can claim tax benefits on the premium paid towards your health insurance under Section 80D of the Income Tax Act, 1961.

Is there a limit on the OPD expenses covered under dengue insurance?

Yes, a limit of ₹10,000 is applicable on the OPD expenses covered under the dengue insurance plan.

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