Last Updated:
HMPV is a respiratory virus that causes symptoms similar to the common cold, such as cough, fever, and nasal congestion.
With the rise in HMPV cases globally, travellers should prioritise both their health and their insurance policies. (Representative image)
HMPV Cases In India: As Human Metapneumovirus (HMPV) cases increase worldwide, travellers are asking whether travel insurance covers medical emergencies caused by viral infections while abroad. With reports of surging cases in countries like China, the United States, and now India, the growing concern highlights the importance of understanding what your travel insurance policy entails. Unexpected medical emergencies during international trips can lead to significant financial and logistical challenges, making it crucial for travellers to be well-prepared.
This raises the question: does your travel insurance provide adequate protection against health risks like HMPV while you’re away from home?
What is Human Metapneumovirus (HMPV)?
HMPV is a respiratory virus that causes symptoms similar to the common cold, such as cough, fever, and nasal congestion. Recent surges in cases have been reported in regions including China, the United States, and India. Although the virus is not new, its rise has raised fresh concerns, particularly among international travellers.
Travel Insurance: What’s Covered?
Most travel insurance policies in India provide coverage for medical emergencies, including those caused by viral infections like HMPV.
Common inclusions are:
Emergency Medical Treatment: Coverage for hospitalisation and treatment costs.
Medical Evacuation: Transportation to the nearest medical facility if required.
24/7 Assistance: Support with finding hospitals, managing bills, and processing claims.
However, coverage varies between providers, so travellers should carefully review their policy terms.
Expert Opinion
Amit Chhabra, CBO of General Insurance at Policybazaar, emphasized the increasing significance of comprehensive health insurance in light of rising health concerns such as HMPV.
“With the high cost of healthcare in urban areas, it is advisable for families and individuals to opt for a sum insured of at least Rs 25 lakhs. This ensures adequate financial protection against unforeseen medical emergencies, including hospitalisation, diagnostic tests, and treatments for viral infections like HMPV,” Chhabra said.
He also highlighted the importance of add-ons like consumables cover, which reimburses costs for items such as PPE kits and syringes, often excluded from standard policies. This can significantly reduce out-of-pocket expenses.
Chhabra further pointed out that OPD (Outpatient Department) cover is essential for managing expenses related to doctor consultations, diagnostics, and day-care procedures, which are becoming increasingly frequent in viral outbreaks. Such emergencies can also arise while traveling.
Travel Insurance
Chhabra noted that comprehensive travel insurance provides crucial protection against a wide range of unexpected health issues, including viral infections, flu-like illnesses, and even hospitalisation due to sudden illnesses or injuries.
These emergencies can be financially overwhelming, especially in destinations where healthcare costs are much higher than in India, often reaching thousands of dollars for treatment, Chhabra explained.
Comprehensive travel insurance covers a variety of medical urgencies, such as flu, hospitalisation, injuries, accidental injury, medical evacuation, and emergency medical situations arising from pre-existing conditions (if covered in the plan and declared).
“What makes travel insurance indispensable is its ability to provide more than just medical coverage. It also covers trip delays, baggage loss, medical evacuation, and other unexpected disruptions that could derail travel plans.”
In medical emergencies, travelers can take advantage of cashless services at a wide network of hospitals globally by notifying their insurers or aggregators like Policybazaar. In situations where cashless services are unavailable, reimbursement claims can be processed with the necessary medical documentation.
What to Check in Your Policy?
- Terms and Conditions: Confirm whether respiratory or viral illnesses like HMPV are included.
- Exclusions: Look for any caps on claims or specific illnesses that may be excluded.
- Pre-existing Conditions: Ensure all pre-existing medical conditions are declared when purchasing the policy to avoid potential claim rejections.
Preventive Measures
Health experts recommend the following:
- Frequent handwashing.
- Wearing masks in crowded or enclosed spaces.
- Avoiding close contact with individuals showing symptoms of illness.
- Travellers are also advised to stay updated with official health advisories and consider opting for comprehensive travel insurance to safeguard against unforeseen situations.
Why Do You Need Health Insurance Too?
Yes, having both travel and health insurance ensures full protection. Here’s how they differ:
Travel Insurance: Provides temporary coverage for emergencies during trips, including viral infections, medical evacuations, and travel disruptions.
Health Insurance: Offers long-term coverage for routine healthcare, chronic conditions, and pre-existing illnesses.
Why Both Are Important
Travellers: Travel insurance addresses trip-specific risks such as unexpected illnesses or medical emergencies abroad.
At Home: Health insurance is essential for managing routine medical care and long-term health needs.
For maximum protection, check whether your health insurance includes international coverage. If it does not, or if the coverage is limited, travel insurance can fill the gap, ensuring you are fully prepared for any situation.
With the rise in HMPV cases globally, travellers should prioritise both their health and their insurance policies. Combining travel and health insurance provides comprehensive coverage, reducing the financial risks associated with medical emergencies at home and abroad. Before embarking on your next journey, review your insurance policies thoroughly to ensure you are protected against the unexpected.
