Quick Guide about the Health Insurance for Tuberculosis (TB) Patients in India

Health Insurance for Tuberculosis (TB) Patients

We live in a world that is filled with many beautiful sights and wonderful attractions. The very same world; however, is also home to various types of microorganisms and some of these can be the cause of various diseases. Some of these are so deadly that they can kill the affected person within a period of a few months. One such disease is Tuberculosis, which is also called TB. It is one of the deadliest diseases and has killed many people across the world. It is a pulmonary or lung-related disease and is caused by the Mycobacterium Tuberculi bacterium. The worst thing about this disease is that it can spread to the other parts of the body very easily, even to the brain. When it spreads to the brain, the disease is called cerebral tuberculosis. The disease is very contagious; therefore, once a person is diagnosed with TB, extra care should be taken.

If you have unfortunately been diagnosed with TB, you also need to be aware that it might require long-term treatment which can also be expensive. Therefore, to deal with one such situation, getting health insurance coverage for TB treatment is the wisest choice. You can also look for a critical illness policy that provides coverage for critical illnesses including tuberculosis.

How much does TB treatment cost in India?

The usual treatment period for tuberculosis is between six and nine months. Once you are diagnosed with TB, you have to take long-term antibiotics so that you can get completely cured and avoid the chances of relapse of the disease. After the completion of the treatment, your doctor may refer another checkup and if you are still found infected, the treatment, in that case, may continue for another 3 months, at least. As the TB treatment cost in India is concerned, along with the treatment, the costs of medicines are also on the higher side. The average treatment costs up to INR 5 lakh but can easily run to INR 10 lakh for cases with brain surgery if required. This is where the health insurance coverage for TB treatment can prove to be helpful.

What all are covered by health insurance for tuberculosis?

The infectious disease of TB can happen to people from all age groups. Those with a weaker immune system are more susceptible to this infection. The treatment of this disease can be expensive and a health insurance policy can be very helpful. If you are wondering about the insurance coverage for TB, here are the treatment aspects that are mostly covered by health insurance plans.

• Hospitalization expenses: With a comprehensive health insurance policy, one can get a cash reimbursement of INR 50,000 for certain treatments.
• Treatment expenses: Treatment charges including medications and other diagnostic tests are covered by insurance.
• Diagnostic test expenses: The diagnostic tests carried out before and even during hospitalization are covered by the insurance
• Fees of doctors: The costs of the doctor’s fees before as well as after hospitalization are covered
• Room charges: Room rents and even the ICU charges are covered.

Best Health insurance plans for TB patients

While the treatment for tuberculosis can be costly, you can find health insurance plans online to get coverage for the treatment. Here are some of the top health insurance plans for tuberculosis patients mentioned herein below:

Niva Bupa Health Companion – Family Health Insurance Plan

Insurer: Niva Bupa Health Insurance Company

With a Niva Bupa health insurance plan, you can get up to INR 1 Crore. The yearly premium you have to pay is INR 5,085. The coverage you will get under this health insurance plan is mentioned herein below:

• In-patient care
• Room rent
• Daycare treatment
• Pre-hospitalization for up to 30 days
• Post-hospitalization for up to 60 days
• Ambulance cover of up to INR 3,000
• Living donor organ transplant expenses
• Hospital cash of INR 1,000, 2,000, or 4,000/ day on the basis of your sum insured
• If the sum insured is exhausted, the company refills it up to 100% for many other illness claims.

Aditya Birla Activ Assure Diamond Plan

Insurer: Aditya Birla Health Insurance Company

This is also one of the best health insurance plans that are apt for TB patients. The coverage that you can get include

• 586 daycare procedures
• Pre-hospitalization up to 30 days
• Post-hospitalization up to 60 days
• International as well as domestic emergency assistance
• INR 500 daily allowance for up to five days/hospitalization
• In-patient AYUSH treatment
• Home care treatment
• In case of exhausting the sum insured, the insurance company will refill it up to 150% for other illness claims for a maximum of INR 50 lakh.

Future Generali Future Health Suraksha

Insurer: Future Generali Health Insurance Company

TB patients can go for this health insurance plan too since it comes with various types of plans such as Gold, Platinum, Topaz, and Ruby. You can choose the plan that you think is the best for you and get benefits for your TB treatment. Here are the benefits mentioned for you:

• Pre-hospitalization for up to 60 days
• Post-hospitalization up to 90 days
• Room rent, board, nursing costs
• Expenses for medicines, X-rays, diagnostic materials, operation theater charges, specialists’ fees, consultants, and many more
• 409 daycare procedures
• Organ Donor costs
• For Gold or Platinum Plan, ambulance charges are up to INR 2000/hospitalization. For Topaz or Ruby Plan, the ambulance charges are up to INR 750/hospitalization with a limit of INR 1500/policy period
• Under Platinum or Ruby Plan, you can get hospital cash benefits.

Apart from these, there are many other health insurance plans for TB patients that you can find online. You can come across many websites from where you can not only find a lot of information about them but also buy a health insurance policy.

Read More: How to Get the Best Health Insurance Plan in India

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