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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.
Global Trends and Updates
HMPV Virus Cases In China: Hospitals in northern China have reported an increase in HMPV cases, particularly in children. Health authorities have assured the public that the situation remains under control, with no emergency declarations issued.
United States: The Centres for Disease Control and Prevention (CDC) noted that 1.94% of those tested in December were HMPV positive. Most cases resolve with basic care, and there is currently no vaccine or specific treatment for the virus.
HMPV Virus Cases In India: The Indian Council of Medical Research has confirmed seven cases of HMPV in cities such as Bengaluru and Chennai. Officials have reassured the public that the situation is being closely monitored and that there is no cause for alarm.
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.
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.
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.
