A seasonal surge in Human Metapneumovirus (HMPV) cases in countries like China, Malaysia, Hong Kong, and other Asian regions has raised global concerns. The detection of multiple HMPV cases in India has further highlighted the need for precautions, especially for international travelers during the holiday season. Amid these concerns, understanding the role of travel insurance in covering viral infection-related medical emergencies becomes essential.
Does Travel Insurance Cover HMPV and Other Viral Infections?
Most travel insurance policies cover medical emergencies and treatment for sudden illnesses or injuries, including those caused by viral infections like HMPV.
- Inclusions in Travel Insurance
Travel insurance typically provides financial assistance for:- Hospitalization and related treatments.
- Surgical procedures if required.
- Emergency medical evacuations.
“Our travel insurance policy covers medical emergencies and treatments related to unexpected illnesses or injuries, including flu and viruses like HMPV, while traveling abroad,” said Rakesh Jain, CEO of Reliance General Insurance.
- Declaration of Pre-Existing Conditions
Travelers are advised to declare any pre-existing illnesses at the time of policy issuance to maximize the benefits of their travel insurance.
However, coverage details may vary by policy and insurer. Meet Kapadia, Head of Travel Insurance at Policybazaar, emphasized the importance of carefully reviewing policy terms before finalizing.
What to Do in Case of a Medical Emergency During a Foreign Trip?
Most insurers provide 24/7 assistance to policyholders, ensuring swift support during medical emergencies.
- Steps to Take:
- Contact Insurer: Immediately inform the insurer about the medical emergency.
- Hospital Identification: Insurance providers assist with finding nearby network hospitals.
- Cashless Services: Many insurers offer cashless treatments at partnered hospitals.
- Claims Process: Keep medical records and receipts for reimbursement claims.
“Our policyholders can contact our 24/7 emergency assistance team for guidance and support. We assist with hospital admissions, payment guarantees, and medical evacuations if necessary,” noted Rakesh Jain.
Benefits of Travel Insurance Beyond Medical Emergencies
Comprehensive travel insurance plans offer additional benefits, ensuring peace of mind for travelers:
- Trip Delays and Cancellations: Coverage for expenses incurred due to delays or cancellations.
- Baggage Loss: Compensation for lost or delayed baggage.
- Medical Evacuation: Ensures safe transport to a medical facility in case of severe emergencies.
- Disruptions: Protection against unforeseen disruptions during the trip.
“Travelers can access cashless services at network hospitals or opt for reimbursements with proper documentation if cashless options aren’t available,” said Meet Kapadia.
HMPV Virus: Symptoms, Causes, Prevention, and Treatment
Symptoms:
- Common flu-like symptoms, including cough, cold, sneezing, fever, and fatigue.
Causes:
- Direct contact with infected individuals.
- Touching contaminated surfaces.
- Inhaling respiratory droplets in crowded areas.
Prevention:
- Maintain social distancing.
- Regular handwashing.
- Wearing masks in public spaces.
Treatment:
- Recovery usually takes 5-6 days.
- Over-the-counter medicines (OTC) such as inhalers and fever reducers are commonly prescribed.
Conclusion
The surge in HMPV cases has highlighted the importance of travel insurance for international travelers, particularly during the holiday season. With coverage for medical emergencies, trip disruptions, and more, travel insurance provides a safety net for navigating unforeseen challenges. Travelers are encouraged to carefully assess their policies and declare pre-existing conditions to maximize benefits. Maintaining precautions against infections and staying informed about policy terms are crucial steps for ensuring a safe and hassle-free trip.
