Hyderabad: Even as people are still struggling to deal with Covid the right way, Black Fungus is making its presence felt. This is also leaving doubt in people’s mind about the costs involved in its treatment.
However, those having a comprehensive health cover will be slightly better off than others who do not have a health cover. Black and White fungus treatments are covered by default under all comprehensive health policies, according to Amit Chhabra, Head-Health Insurance, Policybazaar.com.
“There are no additional exclusions for black fungus or white fungus. Except for the mandatory waiting period for the health policy, there are no special conditions. Black fungus or white fungus, they have to be seen just as one more ailment. These diseases are in-built, so you don’t need to have a separate health plan to be covered,” he explained.
“It is always best to buy comprehensive health insurance with sufficient cover. There are also riders that will up the cover once the limit is exhausted. The cost of treating these infections in private hospitals is high, making it unaffordable for many people,” said Chhabra.
Policyholders must adhere to the terms and conditions of their health insurance policy including notifying the insurers of pre-existing illnesses, planned or emergency hospitalisations. Niche products like the Coronakavach do not cover the black fungus. “Coronakavach product has been evolved only to cover Covid,” he said. The demand for health insurance is robust mainly due to the rising Covid cases. Several hospitals have presented huge bills to the patients for Covid treatment. The fat bills are also a reason for any to opt for a health cover.
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