Health Insurance 107 views March 8, 2021

Tuberculosis (TB) is a lung disease that has caused up to 10.10% of death in India every year. And TB treatment can be expensive for some of us, so if you want to get financial backup against TB, a health insurance plan is what you need. It shall cover all your TB expenses such as medicine/drug cost, fees of doctors/medical practitioners, diagnostic tests, etc. Of the many health insurance plans for TB patients, we’ll focus on the top five. Let’s read further and know more about these plans.

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ICICI Lombard Complete Health Insurance

The ICICI Lombard Health Insurance policy covers all your medical expenses related to TB treatment such as –

  1. In-patient hospitalization boarding and nursing expenses, ICU charges, fees of the attending doctor or surgeon, cost of anesthesia, blood, oxygen, operation theatre charges, etc.
  2. Daycare procedures or treatment
  3. In-patient AYUSH treatment
  4. Pre and Post-hospitalisation medical expenses for up to 30 and 60 days, respectively
  5. Ambulance charges up to INR 1,500 per hospitalization
  6. Outpatient Treatment
  7. Hospital Daily Cash benefit if the hospitalization is for a minimum of 3 consecutive days and subject to a maximum of 10 consecutive days.

In this health cover, you will get the benefit of restore where the company restores your policy sum insured to a maximum of 100% if your policy is insufficient for claims due to claims already made in that policy year.

Max Bupa Health Companion – Family Health Insurance Plan

Get medical insurance up to INR 1 Crore from Max Bupa and cover your TB expenses at a minimum premium of INR 5,085 per year. Under the Max Bupa Health Companion – Family Health Insurance Plan, you will get coverage for the following –

  1. In-patient care
  2. Room rent
  3. Pre-hospitalization up to 30 days
  4. Post-hospitalization up to 60 days
  5. Daycare treatment
  6. Living donor organ transplant expenses
  7. Ambulance cover up to INR 3,000
  8. Hospital cash of INR 1,000, 2,000 or 4,000 per day based on your sum insured

In case of exhaustion of the sum insured, the company refills it up to 100% for other illness claims.

Aditya Birla Activ Assure Diamond Plan

The Aditya Birla Activ Assure Diamond Plan will pay for TB-related hospitalization expenses such as –

  1. Pre-hospitalization up to 30 days
  2. Post-hospitalization up to 60 days
  3. 586 daycare procedures
  4. International and domestic emergency assistance
  5. In-patient AYUSH treatment
  6. INR 500 daily allowance up to 5 days per hospitalization
  7. Home care treatment

If the sum insured is exhausted, the company refills it up to 150% for other illness claims, subject to a maximum of INR 50 Lakh.

Star Health Family Health Optima Insurance Plan

If you want financial protection for your whole family against TB, a Star Health Family Health Optima Insurance Plan could be the right one for you! Under this, the insurance proposer, spouse, dependent children from the age of 16 days to 25 years and dependent parents can be covered. And if a health risk arises during the policy term, the company will cover the following medical expenses –

  1. Room, boarding and nursing charges
  2. Fees of surgeon, anaesthetist, medical practitioner, consultants, specialist
  3. Expenses of oxygen, operation theatre, diagnostics tests, imaging modalities, medicines and drugs, cost of a pacemaker, etc.
  4. Ambulance charges
  5. Pre-hospitalization medical expenses up to 60 days
  6. Post-hospitalization expenses incurred up to 90 days
  7. Domiciliary hospitalization
  8. Organ donor expenses

Automatic restoration of sum insured is available to you 3 times in the policy period, and each time, 100% of the sum insured will be restored.

Future Generali Future Health Suraksha

This health insurance comes with 4 different plans: Gold, Platinum, Topaz and Ruby, so choose your plan and get the following benefits for your TB treatments –

  1. Room rent, board, nursing expenses
  2. Medicines/drugs, diagnostic materials, X-ray, operation theatre charges, consultants, specialists fees, etc.
  3. Pre-hospitalization up to 60 days
  4. Post-hospitalization up to 90 days
  5. 409 daycare procedures
  6. Ambulance charges for Gold or Platinum Plan – Up to INR 2,000 per hospitalization, for Topaz or Ruby Plan – Up to INR 750 per hospitalization with an overall limit of INR 1,500/- per policy period.
  7. Hospital cash benefit Is available under the Platinum or Ruby Plan
  8. Organ Donor expenses

Future Generali Future Health Suraksha recharge benefit is applicable where the basic Sum Insured is INR 3 Lakhs and above. So if your basic Sum Insured and Cumulative Bonus (if any) are exhausted, 100% of the Sum Insured will be automatically available for that particular policy year as per the policy terms and conditions.

What are the Signs & Symptoms of TB?

The following are the signs and symptoms that show you are affected with TB –

  1. Coughing for more than 3 weeks
  2. Coughing up blood
  3. Chest pain
  4. Pain while breathing or coughing
  5. Unintentional weight loss
  6. Fatigue
  7. Fever
  8. Night sweats
  9. Chills
  10. Loss of appetite

Complications Related to TB

If you don’t seek TB treatment, it can be fatal, and an untreated active disease like TB can spread to your other body parts. The common examples of TB complications are:

  1. Spinal Pain – TB patients suffer from back pain and stiffness commonly
  2. Joint Damage – Arthritis is one of the usual effects of TB that can impact your hips and knees.
  3. Swelling of the Membranes (meningitis) – TB can also result in the lasting or intermittent headache that occurs for weeks. Under this, mental changes are also possible.
  4. Health Issues of Live & Kidney – Functions of your lungs and kidneys may be impaired if they are affected by TB.
  5. Heart Disorders – Rarely, TB can affect your heart and cause conditions like cardiac tamponade.

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