Will your health insurance cover black fungus or post covid complications?  |  Photo Credit: PTI
New Delhi: Covid-19 has killed millions around the world, but for some who are lucky enough to survive the infection, the nightmare is not over: adding insult to injury are deadly fungal infections that follow in the wake of the virus.
As if the devastating second wave of COVID-19 was not enough, starting early May, reports of a new health condition with symptoms of fever—headache, cough, pain and redness around eye and nose—shortness of breath, black discolouration over nose, alternation in mental status such as confusion or forgetting things and even bloody vomit started doing the rounds. A number of patients with COVID-19 were suffering from this condition.
What is black, white fungus?
Black fungus, also known as mucormycosis, is a rare infection caused by a group of moulds known as mucormycetes, which are generally found in soil, plants, manure and decaying vegetables and fruits.
It affects the nasal cavity, paranasal sinuses and eye, causing blindness and other severe medical conditions. Diabetes and high doses of steroids are the major stimulators of this infection.
White fungus, also known as candidiasis, is a fungal infection caused by the candida yeast, a fungus type. It affects people with low immunity and pre-existing medical conditions such as HIV, cancer, diabetes, etc. People are more vulnerable to it as the moulds can be easily inhaled, spreading to vital organs such as lungs, kidneys, brain, etc.
Does your health insurance cover the deadly black fungus or other post covid complications?
Policyholders can breathe easy knowing that treatment costs for black and white fungus are covered by default under all comprehensive health insurance policies. These diseases are in-built, so you don’t need to have a separate health plan to be covered.
Amit Chhabra, ahead- Health Insurance, Policybazaar.com, said: “Customers who are still planning to buy a health insurance plan should definitely look for a comprehensive plan with higher. The cost of treating these infections (Black Fungus & White Fungus) in private hospitals is also high, making it unaffordable for many people, hence having a high cover will be beneficial.”
Policyholders must adhere to the terms and conditions of their health insurance policy, such as notifying their insurer of any pre-existing illnesses, planned or emergency hospitalisation, and submitting all required documents, among other things, Policyholders must adhere to the terms and conditions of their health insurance policy, such as notifying their insurer of any pre-existing illnesses, planned or emergency hospitalisation, and submitting all required documents, among other things, Chhabra added.
Some states have incorporated black fungus cover in their state health insurance programmes
The government of Maharashtra has announced that patients suffering from black fungus will get covered up to Rs 1.5 lakh under health insurance schemes like the Pradhan Mantri Jan Arogya Yojana and Mahatma Jyotirao Phule Jan Arogya Yojana. The Rajasthan government has announced the Chiranjeevi Yojana Insurance Scheme to cap admission and treatment costs at private hospitals for those suffering from the disease.