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icon Health Insurance icon Diseases icon Polio

Poliomyelitis (Polio)

Poliomyelitis, more commonly known as Polio, is a highly contagious viral disease that primarily affects young children and spreads through contaminated food, water, or contact with an infected person. The virus attacks the nervous system and, in severe cases, can lead to paralysis or even death. Although there is no specific cure for polio, it can be effectively prevented through proper immunization. Vaccination stimulates the body’s immune system to fight the virus and provides long-term protection. Therefore, early and timely vaccination is crucial in safeguarding children and communities from this serious disease.

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What Is Polio?

Polio is a viral disease caused by the poliovirus that mainly affects children under the age of five. It spreads through contaminated food, water, or close contact with an infected person. The virus attacks the nervous system and, in severe cases, can cause paralysis or even death. While there is no cure, polio can be prevented through safe and effective vaccination.

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IndusInd General Insurance
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Types and Forms of Polio

Polio has various forms, ranging from mild infection to severe complications. These include:

  • Asymptomatic Polio (Subclinical Infection)

  • This is the most common form, where infected individuals do not show any symptoms. Despite appearing healthy, they can still carry and spread the virus to others. Around 90–95% of polio cases are asymptomatic.

  • Non-Paralytic Polio (Abortive Polio)

  • This form causes mild, flu-like symptoms such as fever, sore throat, headache, vomiting, fatigue, and sometimes neck stiffness. It does not lead to paralysis but may temporarily affect the nervous system.

  • Paralytic Polio

  • This is the most severe and rare form of polio. The virus attacks the nervous system, leading to muscle weakness and paralysis, usually in the legs. In some cases, it can affect breathing muscles and become life-threatening, with paralysis often being permanent.

  • Post-Polio Syndrome (PPS)

  • This condition occurs years or even decades after recovery from polio. It leads to new muscle weakness, fatigue, joint pain, and reduced mobility. It is not contagious but is a long-term complication of a previous polio infection.

How Polio Spreads?

Polio spreads easily in environments with poor hygiene and sanitation, primarily through contaminated food, water, and close contact.

  • Spread mainly through the faecal–oral route, where infected faeces contaminate food or drinking water

  • Virus enters the body through the mouth and begins multiplying in the intestines

  • In some cases, it enters the bloodstream and attacks the nervous system, leading to paralysis

  • It can spread through close person-to-person contact, especially in crowded areas

  • Children are at higher risk due to weaker hygiene practices and frequent exposure to contaminated surfaces

Facts About Polio

Polio is a preventable yet potentially life-threatening disease, and understanding key facts about it helps raise awareness and support global eradication efforts.

  • Polio (poliomyelitis) mainly affects children under the age of 5, but unvaccinated individuals of any age can contract it.

  • The virus multiplies in the intestine and can quickly invade the nervous system, potentially causing paralysis within hours.

  • Approximately 1 in 200 infections leads to irreversible paralysis, usually affecting the legs.

  • Among those who become paralysed, 5–10% may die due to paralysis of breathing muscles.

  • Two types of vaccines are available: oral polio vaccine (OPV) and inactivated polio vaccine (IPV).

  • Global polio cases have reduced by over 99% since 1988, from around 350,000 cases across 125+ countries to just a few endemic regions today.

  • Polio remains endemic in only two countries: Afghanistan and Pakistan, but the risk persists globally until eradication is complete.

  • If eradication efforts are not sustained, the disease could resurge worldwide, putting children everywhere at risk.

  • More than 20 million people have been saved from paralysis, and around 1.5 million childhood deaths have been prevented through related health interventions.

  • Eradicating polio could save an estimated $40–50 billion globally, especially benefiting low-income countries.

Source - WHO and Polio Eradication Org

Symptoms of Polio

Polio symptoms can range from mild flu-like signs to severe paralysis, depending on the severity of the infection and the type/form of polio.

  • Fever, fatigue, and general weakness

  • Headache and sore throat

  • Nausea, vomiting, and stomach discomfort

  • Stiffness in the neck and back

  • Pain or stiffness in the limbs

  • Muscle weakness, especially in the legs

  • Loss of reflexes

  • In severe cases, sudden paralysis (usually in the legs)

  • Difficulty in breathing or swallowing in critical conditions

Prevention and Control Measures of Polio

Polio can be effectively prevented through vaccination and proper hygiene practices.

  • Ensure complete vaccination with Oral Polio Vaccine (OPV) and Inactivated Polio Vaccine (IPV) as per schedule

  • Participate in pulse polio immunisation drives to ensure full coverage

  • Maintain proper hand hygiene, especially after using the toilet and before eating

  • Drink clean and safe water; avoid contaminated food and beverages

  • Improve sanitation facilities to prevent faecal contamination

  • Promote awareness about polio vaccination and its importance

  • Ensure early detection and reporting of suspected cases for quick response

  • Strengthen routine immunisation programmes to prevent outbreaks

Medical Treatment for Polio

There is no cure for polio, so treatment focuses on prevention through vaccination and managing symptoms.

Vaccination

  • Polio can be prevented through timely vaccination, which provides long-term protection

  • Two main vaccines are used: Oral Polio Vaccine (OPV) and Inactivated Polio Vaccine (IPV)

  • Multiple doses are required to ensure full immunity in children

  • Routine immunisation and pulse polio campaigns play a key role in eradication

  • Vaccination not only protects individuals but also helps stop community transmission

Managing Symptoms (Supportive Care)

  • There is no specific antiviral treatment for polio

  • Treatment focuses on relieving symptoms and preventing complications

  • Pain relievers may be used to reduce muscle pain and discomfort

  • Physical therapy helps improve mobility and prevent muscle stiffness

  • Use of assistive devices like braces or splints for muscle support

  • In severe cases, ventilators may be required to support breathing

  • Long-term rehabilitation may be needed for recovery and improved quality of life

Health Insurance Coverage for Polio in India

Health insurance in India can help cover the medical and long-term costs associated with polio, especially in cases involving paralysis or disability.

Coverage Under Health Insurance

  • Covers hospitalisation expenses, including doctor fees, medicines, and diagnostic tests

  • Includes pre- and post-hospitalisation costs related to treatment

  • May cover surgeries, rehabilitation, and physiotherapy for polio-related complications

  • Paralysis (a major effect of polio) is often covered under critical illness plans or riders

  • Some policies also cover assistive devices like braces or mobility aids under disability plans

Pre-existing Condition Clause

  • If a person already has polio, it is treated as a pre-existing disease (PED)

  • Coverage is usually available after a waiting period (commonly 1-3 years)

  • Some specialised or inclusive plans may offer earlier or customised coverage

Government Health Schemes

  • Ayushman Bharat (PM-JAY) offers up to ₹5 lakh annual coverage for eligible families

  • Niramaya Health Insurance Scheme provides up to ₹1 lakh cover for persons with disabilities

  • The Swavalamban Scheme offers affordable insurance options for differently-abled individuals

Important Points to Note

  • Not all policies cover long-term care or lifelong rehabilitation fully

  • Some treatments, cosmetic procedures, or non-medical expenses may be excluded

  • Coverage varies by insurer, so policy terms must be checked carefully

  • Early insurance purchase (before illness) ensures better and faster coverage benefits

Disclaimer: Information is for educational purposes only, and should not be taken as a doctor’s advice. For health insurance terms, please refer to your policy document carefully before making a decision.

Frequently Asked Questions

  • Q. What is polio?

    • Polio is a highly infectious viral disease that mainly affects young children and can damage the nervous system, sometimes leading to paralysis.

  • Q. How does polio spread?

    • It spreads primarily through the faecal–oral route via contaminated food, water, or close contact with an infected person.

  • Q. Is polio still a threat today?

    • Yes, although cases have reduced significantly, polio still exists in a few countries, and the risk remains until it is completely eradicated.

  • Q. Can polio be cured?

    • No, there is no cure for polio. Treatment focuses on managing symptoms, but it can be prevented through vaccination.

  • Q. What are the early symptoms of polio?

    • Early symptoms include fever, fatigue, headache, vomiting, neck stiffness, and pain in the limbs.

  • Q. Can polio cause permanent disability?

    • Yes, in severe cases, polio can lead to irreversible paralysis, usually affecting the legs.

  • Q. How can polio be prevented?

    • Polio can be prevented through timely vaccination, proper hygiene, clean water, and improved sanitation.

  • Q. What is post-polio syndrome?

    • It is a condition that occurs years after recovery from polio, causing new muscle weakness, fatigue, and joint pain.

  • Q. Does health insurance cover polio treatment in India?

    • Yes, most health insurance plans cover hospitalisation, treatment, and rehabilitation costs, though pre-existing cases may have a waiting period.

  • Q. Why is health insurance important for polio?

    • It helps reduce the financial burden of hospitalisation, long-term care, physiotherapy, and disability-related expenses.

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