Does Health Insurance Cover Monkeypox Virus Know the Symptoms, Time to Wait and Prevention

After Covid-19, the outbreak of Monkeypox virus is the latest human outbreak in India. Amid the rapidly spreading fear, people want to know if the virus is being covered up health insurance . Let’s find out.

With more than 27,814 people already affected in 89 countries around the world, including 9 cases from India till August 2022, Monkeypox is causing a serious problem. In fact, the WHO also declared Monkeypox a global emergency on 23 July 2022 with a high level of alarm. But what is Monkeypox and where does it come from? Let’s find out in this post.

What is Monkeypox?

Monkeypox is a viral disease caused by the monkeypox virus. The virus is part of the Orthopoxvirus genus that contains the Variola virus – the virus that causes smallpox. Monkeypox is a zoonosis or disease that is transmitted from an infected animal to humans.

Monkepox symptoms are similar to smallpox. However, it is said to have a much lower impact in terms of transmission compared to smallpox. Monkeys are said to affect children more than adults.

Being a contagious disease, Monkeypox can spread from person to person through close contact. It can also be spread through animals and objects that are infected with monkeypox. The bodily fluids of an infected person are another source of transmission of the virus. Once infected, the virus can last for two to four weeks before proper Monkeypox treatment is available. However, with children it can cause complications and can be fatal.

Read more: Monkeypox Virus – Basics – Everything You Need to Know Including Symptoms, Causes, Prevention

Symptoms of Monkeypox Virus

As mentioned earlier, the symptoms of Monkeypox are mild compared to smallpox. Here is a list of symptoms of Monkeypox virus:

  • Malung
  • Rashes like blisters (face, body)
  • Head
  • Cold
  • Muscle pain
  • Back pain
  • Fatigue and low energy
  • Swelling of the lymph nodes
  • Exhaustion
  • Smallpox lesions
  • Discomfort
  • Other medical problems

Monkeypox was first discovered in 1958 when it was found in monkeys. The monkeys were kept for research, who contracted the disease and it was named Monkeypox. Monkeypox has been found in 11 African countries since 1970. In addition, with international travel and imports, the virus spreads outside of Africa.

Is Monkeypox Virus Covered by Health Insurance in India?

Due to the increasing number of rabies cases around the world, people are interested in knowing whether the disease is covered by health insurance so that the cost of treating the virus is reimbursed. And you will be happy to know that Monkeypox is covered by almost all the insurance policies offered by different insurance companies in the country.

Being a communicable disease, Mokeypox is covered by all insurance agencies in India to protect the owner from the medical expenses incurred in curing the disease. Therefore, anyone with proper health insurance can get Monkeypox coverage including hospital charges, OPD medical charges and ICU charges, and ambulance charges among others.

However, depending on the insurance policy, the amount of coverage varies from person to person. For example, most health insurance plans cover hospitalization expenses, but not every plan can cover OPD costs. Therefore, it is important that you go through the process thoroughly before submitting a claim for Monkeypox.

Is There a Waiting Period for Monkeypox Under Health Insurance?

Whatever the health insurance plan is, it does not provide coverage from day one onwards for monkeys. Instead, the insured will receive coverage only after the waiting period is over. Most health insurance plans in India are available with a waiting period of 30 days. Apart from accidental claims, there are no other claims that the company receives during this waiting period.

Therefore, the law-holders can only prosecute the monkey after the 30-day waiting period. And if the insurer raises the rate before that time, the insurer will not accept the claim.

How Can You Prevent Monkeypox Virus?

Below are some simple tips to prevent monkeypox:

  • Stay away from people who have a monkey-like rash
  • Do not touch the rash of infected people
  • Make a habit of washing your hands regularly with soap and water. Also, you can use hand sanitizer (which contains alcohol) to clean your hands
  • Do not drink glasses that have been used by someone who has monkeypox. Also, do not share food with an infected person
  • Eat well-cooked meat
  • Do not touch sheets, towels and other clothing of an infected person
  • Do not approach stray monkeys or rats. Also, stay away from sick or dead animals


The worldwide spread of Monkeypox has caused concern. Although less contagious, Monkeypox is still a serious disease, especially for children. We cannot predict at this time whether the Monkeypox virus will spread like other viruses in the near future such as Covid-19. However, it is always good to be prepared for any such situation. And covering yourself and your family under the best family health insurance is the most important thing you can do to stay safe from monkeys in India. In addition, getting the elderly in the family and health insurance for the elderly is important to protect against Monkeypox.

So, choose the best health insurance company in India that offers the best plans to get protection against various diseases like Monkeypox.

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