What is Monkeypox?

Monkeypox, also known as ‘viral zoonosis’, is the latest infectious disease to make its way to India. This disease is a rare viral disease caused by the monkeypox virus of the orthopoxvirus family. This is a communicable disease that spreads from one person to another by coming in close contact with an infected person, animal, or contaminated material like clothes. This infectious disease can also spread through the exchange of bodily fluids from an infected person. The symptoms are like smallpox but are comparatively less contagious. This disease can cause less severe illness among adults and is rarely fatal. However, children are more prone to monkeypox in comparison to adults. Commonly, the disease lasts for approximately 2-4 weeks and goes away on its own. Though, the disease can lead to difficulties in children that can also turn fatal. 

Symptoms of Monkeypox

The symptoms of monkeypox are milder compared to smallpox. Below are some of the most common symptoms of monkeypox:

  • Fever
  • Rash on face and body that examines like pimples or blisters 
  • Chills
  • Headache
  • Swollen lymph nodes
  • Muscle aches and backache
  • Exhaustion
  • Discomfort

Generally, the symptoms of monkeypox start within 3 weeks of exposure to the virus. If a person has flu-like symptoms, they will usually develop a rash 1-4 days later. The disease can be spread from the time symptoms begin until the rash has recovered, all scabs have fallen off, and a fresh layer of skin has formed. 

Is Monkeypox Covered in Health Insurance in India?

Monkeypox is a multi-country outbreak that is certainly covered by all health insurance plans in India. As monkeypox is an infectious disease and all health plans provide coverage for medical expenses incurred in the treatment of infectious diseases. Therefore, all standard health insurance plans will cover the treatment cost of monkeypox as per the applicable terms and conditions.

An individual that has a valid health insurance policy can get coverage for hospitalization costs, OPD treatment charges, ambulance charges, ICU charges, etc. However, the scope of policy coverage will vary from one plan to another. By most health insurance plans, hospitalization expenses are covered, however, OPD treatment expenses are covered under some plans only. It is better to read the terms and conditions of the health insurance policy before raising a claim.

Things to note about the health insurance component of travel insurance for monkeypox coverage:

  • Not all travel insurance policies will cover medical expenses like emergency hospitalization. Some policies only cover situations related to accidents.
  • Costs incurred to treat monkeypox in a foreign location will most probably be categorized as medical expenses. Therefore, one needs to make sure to include a cover for medical expenses in the travel policy for wide-ranging coverage.
  • Coverage for monkeypox might be subject to sub-limits.
  • The travel policy might not cover monkeypox treatment if you are contaminated after landing in your home country (India). In such cases, the health insurance policy shall look into.
  • It is important for a person to go through the travel insurance policy’s inclusions and exclusions thoroughly.


New viruses and diseases are haunting the world. Such outbreaks, associated with the hazards of modern living, are affixed to affect people’s health negatively. So, it is important for one to have a wide-ranging health insurance policy that covers such infectious diseases. Ensure that the offered policies must have the correct balance of coverage, services, and premium. Try to pick an insurance provider that does not limit the coverage in the state of sub-limits and other such clauses. Also, before going for any health insurance, it is better to have a look at online reviews to see how the insurer is performing regarding serving the policyholders.

Author Bio: Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, our ‘monk marketer’ likes to meditate, meet new people and explore less travelled territories.

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Accidents occur without any warning and can become a nightmare for your family. It affects a family in many ways, especially financially if the only earning member of the family gets disabled. In such situations, personal accident insurance can become the only life-saver. It is offered in two different types – group personal accident insurance and individual personal accident insurance.

Let us have a look at some advantages of having health insurance covering accident expenses.

Disability Coverage

An accident may result in a temporary or permanent disability. If you have personal accident insurance, you can claim compensation for any kind of disability caused due to an accident. The insurance company will also compensate for any kind of loss incurred due to such an accident.

Hospitalization and other expenses

When an accident occurs and there is a need for hospitalization, the insurance company will provide all the expenses incurred for hospitalization and other medical care. Your personal accident insurance also covers other miscellaneous expenses such as repatriation charges, ambulance charges, funeral expenses in case of the death of the policyholder, and likewise.

Expenses covering home alteration and vehicle modification

The aftermath of an accident may cause some disability that may compel you to take support for the rest of your life. You may need a wheelchair. Also, to continue your daily activities, you will need a vehicle with suitable modifications for your comfort. All these expenses will be covered under your personal accident insurance plan. Furthermore, your health insurance will also provide expenses required to carry out alterations in your room such as installing ramps.

Death coverage

In case an accident results in the death of a policyholder, the personal accident insurance policy will compensate his or her family. Moreover, if the policyholder has any child, the health insurance company will provide funds for his education. It may be 10% of the total sum insured or the tuition fee charged by the institution, whichever is lower. The insurance company may also pay the entire sum insured to the family members.

Transportation cost

If the accident takes place in a different city and the family of the policyholder has to travel to that city, the insurance company will cover all such travel expenses. Your personal accident insurance covers all the transportation costs required to reach the accident spot or the hospital. 

Apart from these, mentioned below are some other advantages of personal accident insurance.

Minimum documents required

Accident insurance requires very little paperwork with minimal documentation. You just have to provide all the basic details mentioned in your application form and you can get the insurance.

No need to undergo medical tests

Unlike in other health insurance plans, you do not have to undergo any medical tests while applying for personal accident insurance.

Worldwide coverage

While other health insurance plans have a geographical limitation, personal accident insurance does not contain any such limitation. Here, you can claim the benefit irrespective of the place of occurrence of the accident, that is it provides worldwide coverage.

Easy claim procedure

Accident insurance comes with an easy claim process. Irrespective of the type of policy, you just have to submit an application to the insurer for claiming the benefits. The insurer will verify your claim before paying you.

Mental peace

Personal accident insurance will provide your family with financial security in case of an accident. Even if death occurs, it will provide 100% compensation to your family thus, you can have that peace of mind that your family will be financially stable even after your demise.

Bajaj Finserv’s personal accident insurance policy covers accidental death, temporary or permanent total disability, permanent partial disability, and hospitalization expenses. Under this plan, you are entitled to receive a daily allowance of Rs 1000 for a period of up to 30 days of hospitalization. You will receive 40% of the total claim amount or medical bills, whichever is lesser, as compensation for medical expenses.

Many accident health insurance plans come with a total permanent handicap benefit. In other words, in case an accident leaves you incapacitated for life to earn income, then your nominee will receive 100% of the sum assured. Bajaj Finserv’s personal accident

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Your go-to source for the latest in tech, finance, health, and entertainment, with a knack for distilling complex topics into accessible insights, We deliver timely updates on the ever-evolving landscapes of technology, finance, health, and entertainment