Black, White, Yellow Fungus Health Insurance: What You Should Know

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COVID-related plans like Corona Rakshak and Corona Kavach will not cover it as these policies only cover you for COVID-19 treatment.

Health insurance against black, white, yellow fungus: what you need to know

Will COVID-19 plans extend to mucormycosis?

As the number of cases of fungal infection grows, people are wondering if their health insurance coverage will cover treatment for mucormycosis, commonly known as black, white and yellow fungus. The good news is that it is covered by comprehensive health insurance policies by default. However, plans related to COVID like Corona Rakshak and Corona Kavach will not cover it as these policies only cover you for COVID-19 treatment.

“Many people have bought policies for COVID-19. They should be aware that fungal infections are not covered by them. However, comprehensive health care policies will cover them. This does not require a separate health insurance plan, ”says Amit Chabra. head- Health Insurance, Policybazaar.com.

“Secondly, when you buy a new policy, there will be a 30-day waiting period during which, like any disease, mucormycosis will not be covered,” he adds.

Star Health and Allied Insurance confirms that there are no exemptions for mucormycosis treatment. “Insurers cannot refuse claims due to fungal infection. The treatment is really expensive, but insurers have to cover it, ”says Dr. S. Prakash, managing director of Star Health and Allied Insurance.

Star Health receives over 2,000 COVID-related claims per day, of which about 90 are related to fungus.

“Claims are only rejected in the case of controversial transactions, when it may not have been necessary, but it did happen,” says Dr. Prakash.

General Insurance Bajaj Allianz also states that all of their health insurance policies cover hospitalization costs for various infections. “There is a growing number of cases of black fungus or mucormycosis, for which we have already settled claims. Mucormycosis, as it is considered an infection, will be covered under our indemnity policy, ”says Bhaskar Nerurkar, Head of Claims Health Department, Bajaj Allianz General Insurance.

Policyholders are encouraged to adhere to the terms of their health insurance policy when purchasing a policy. They must notify their insurer of any pre-existing medical conditions, planned or emergency hospitalizations, and provide all required documents, among other things.

In addition, since the cost of treating a fungal infection is much higher than the cost of treating COVID-19, you must have adequate insurance coverage.

“Customers who are still planning to buy a health plan should definitely look for a comprehensive plan with a higher coverage, as the cost of treating these infections in private hospitals is also high, which makes it unaffordable for many people, so having high coverage will be beneficial.” says Chabra from Policybazaar.

Meanwhile, the Maharashtra government announced that patients suffering from black fungus will be insured for up to 1.5 lakhs through health insurance programs such as Pradhan Mantri Jan Arogya Yojana and Mahatma Jyotirao Phule Jan Arogya Yojana.

The Rajasthan government has announced the Chiranjeevi Yojana insurance program to limit the cost of hospitalization and treatment in private hospitals for those suffering from the condition.

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