Do Health Insurance Plans Cover Covid Black & White Fungus Infections?

Black Fungus (mucormycosis) is a rare infection that can impair the nasal cavity, paranasal sinuses and eye of a person, leading to blindness and other severe medical conditions. The cost of mucormycosis medicine is from INR 70,000 to INR 1 Lakh. Treatment of Black Fungus costs INR 16 Lakh per day and lasts about 21 days (These cost estimates are sourced from Times of India). White Fungus (candidiasis) lowers immunity and impacts pre-existing medical conditions such as HIV, cancer, diabetes, etc. Due to the increase in the number of patients with Black & White Fungus infections, it has become necessary for you to have comprehensive health insurance as it protects you from the financial burden. Read this page below and learn about the list of top 5 comprehensive health insurance plans that will cover Black & White Fungus Infections.

List of Top 5 Comprehensive Health Insurance Plans

Below are the top five health insurance plans that will provide you financial coverage against medical expenses at an affordable cost.

Things You Should Know About Comprehensive Health Insurance Plan

Before buying a health insurance plan, you should know that there’s a waiting period to apply on your policy. No claims are admissible during the waiting period for the treatment of an illness, check out the waiting period applicable to these policies:

1. A general waiting period of 30 days applies to health insurance, starting from the policy commencement date, and doesn’t apply to claims arising out of accidents.
2. The waiting period for pre-existing conditions is 12-48 months and may vary from insurer to insurer.

State Health Insurance Programmes for Black & White Fungus Infections

To tackle the financial curve arising from Black Fungus Infection, the Government of Maharashtra has announced to provide a cover of up to INR 1.5 Lakh to the patients suffering from Black Fungus under the Pradhan Mantri Jan Arogya Yojana and Mahatma Jyotirao Phule Jan Arogya Yojana. The same is followed by the Rajasthan government where the patients will get coverage for treatment under Chiranjeevi Yojana Insurance Scheme. Let’s check out these health insurance scheme coverages.

Pradhan Mantri Jan Arogya Yojana (PMJAY): PMJAY offers coverage up to INR 5,00,000 per family in a policy year. The insured person can seek cashless hospitalization through a network of Empaneled Health Care Providers (EHCP). This policy will cover up to 1,350 procedures, pre and post-hospitalization expenses, diagnostics expenses, medicines, etc.

Mahatma Jyotirao Phule Jan Arogya Yojana: This scheme is run by the Government of Maharashtra for the poor residents of the state so that they can seek cashless treatment at government-empanelled hospitals for 971 types of diseases, surgeries and therapies. The policy coverage is costing up to INR 1,50,000 per family in a policy year.

Chiranjeevi Yojana Insurance Scheme: The Chiranjeevi Yojana Insurance Scheme provides financial assistance to the residents of Rajasthan against medical expenses. Under this policy, you’ll get coverage up to INR 5 Lakh at a minimum premium of INR 850 per year.

How to Claim for White & Black Fungus-related Medical Expenses?

You can file a claim under health insurance plans using a cashless or reimbursement facility. Check out the below-mentioned claim procedure and know how to file a claim in case you are hospitalized due to Black or White Fungus.

Cashless Claim

You can file a cashless claim by following the steps shown below:
Intimate the insurer about the hospitalization. 

• Visit the network hospital
• Show your health ID card at the reception along with a valid ID proof
• Submit a duly-filled pre-authorization form to the hospital
• Wait for the approval
• Once your claim is approved, you can receive cashless medical treatment for the illness.

Note: You can receive cashless facilities at network hospitals of the insurer only.

Reimbursement Claim

If you receive treatment at a non-network hospital or your cashless claim request is rejected, you can file a reimbursement claim by following the steps shown below:

• Notify the insurer about your claim within 24 hours of hospitalization
• Submit all the required documents to the insurer
• Wait for the approval
• If your claim is approved, the insurer will reimburse the approved claim amount to your linked bank account.

Note: You need to pay your hospital bills in full before filing a reimbursement claim.