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Does Health Insurance Cover Swine Flu?

Joan Mathews Joan Mathews 07 January 2020

Swine flu is a highly contagious respiratory disease caused by the H1N1 virus strain. Read this article to find out whether swine flu patients can benefit from a health insurance cover.

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According to a report by The National Cooperative Development Corporation on Seasonal Influenza (H1N1) in India, there have been 28,451 cases and 1,213 deaths as on

01.12.2019. The H1N1 flu is more commonly known as swine flu. This is a highly contagious respiratory disease among pigs, caused by a swine influenza A virus. Transmission of swine influenza viruses to humans is rare. However, it can be transmitted to people through contact with infected pigs or environments contaminated with the virus.

In 2009, the disease spread through many parts of the world. By the time the World Health Organization had declared a pandemic in June of that year, 74 countries and territories had reported laboratory confirmed infections. Today, while swine flu may not be as scary as it seemed back then, it's still vital to protect oneself from getting it. Vaccines have been developed to protect individuals against the H1N1 strain of swine flu. These measures were taken following the 2009 pandemic.

Symptoms of Swine Flu

The signs and symptoms of swine flu are typically similar to that of a normal flu. It can include:

  • Chills
  • Cough
  • Sore throat
  • Runny or stuffy nose
  • Fever
  • Watery, red eyes
  • Body aches
  • Diarrhea
  • Nausea and vomiting
  • Headache
  • Fatigue

An infected person usually begins experiencing symptoms in about 2 or 3 days from exposure. The symptoms can last for around 7-14 days. However, it can go on for even longer if it is a case of severe infection.

Complications of Swine Flu

Besides weakening the immune system, the swine influenza A virus can lead to advanced health complications in people. These may occur when an individual is already suffering from a pre-existing condition like asthma, diabetes, emphysema, a heart ailment, or any other chronic illness. Some of the serious complications include:

  • Bronchitis
  • Pneumonia
  • Seizures
  • Toxic Shock Syndrome
  • Respiratory failure

Who is at Increased Risk?

Some individuals are at higher risk of catching swine flu and developing life-threatening problems as a result. These would be:

  • people above the age of 65 years
  • children less than 5 years of age
  • teenagers who are receiving long-term aspirin therapy
  • people suffering from chronic diseases
  • pregnant women
  • people who have weakened immune systems

Health Insurance and Swine Flu

While swine flu can be treated at home with the right medication, hospitalization may be necessary in a few cases. It is therefore advisable to have a health insurance policy in place, to protect self and family from the financial burden caused by the diagnosis.

Those who have tested positive for H1N1 flu are entitled to claim expenses of their treatment, as per the insurance policy they hold.

Most of the health insurance providers offer coverage for swine flu following a standard waiting period of 30 days. Additionally, it generally forms part of the comprehensive health insurance policies offered by the insurers. The hospitalization expenses shall be borne by the company, subject to the limit on the room rent charges. Very few insurers offer policies that cover OPD expenses incurred in relation to swine flu.

Precautionary Measures

As stated above, a health cover can ensure that the individual wouldn’t need to worry about the expenses as the insurance provider would take care of them. Now, as the proverb goes - prevention is better than cure, and this is rightly so for swine flu. Apart from the flu vaccination, the measures that one can take to stay away from the virus include washing hands often with antibiotic liquid/soap in warm water, consuming only properly handled cooked food, etc. Following these precautionary measures, along with having a health cover in place is the best way to stay prepared (physically and financially) for any medical risk that comes one’s way.

Recommended Link:Health Plans for Heart Ailments

Joan Mathews
Written by Joan Mathews
Joan has over 4 years of experience writing for the BFSI industry. She enjoys watching mystery TV series, listening to 80s classics and spending time with her furbabies.