Does Health Insurance Cover H3N2 Virus?OkBima 10 May 2023
India is in peril from a new virus. This time, a subtype of the influenza A virus known as H3N2 is causing dread among many by spreading quickly throughout the nation.
A subtype of the influenza A virus called H3N2 quickly circulates in India. The populace has a lot of anxiety because the virus is said to have recently killed two individuals.
The recent outbreaks of severe coughing coupled with fever lasting a week or more that have been observed nationwide, according to the Indian Council of Medical Research (ICMR), may be linked to the influenza A subtype H3N2 virus.
India has previously had H3N2 epidemics.
According to government reports, this virus has been implicated in a significant number of flu cases documented across the nation. Not all flu infections are H3N2, though, since a percentage of flu cases in India are also brought on by the weather change. Therefore, it is good to invest in health insurance cover H3N2 virus.
H3N2 Flu and Health Insurance
Although the typical flu may be handled at home with the appropriate medicines, hospitalization may be required in some circumstances. Thus, it is advised to have health insurance in place to shield oneself and one's family from the economic strain brought on by the diagnosis.
People who have come back positive for the H3N2 flu are eligible to make a claim under their insurance coverage for the costs of their treatment.
After the usual 30-day waiting period, most health insurance companies give coverage for flu. It is often included in the complete health insurance plans the insurers offer. In accordance with the room rental fee cap, the corporation must cover the hospitalization costs. Health insurance cover H3N2 virus that covers OPD costs related to the flu and is very infrequently offered by insurers.
How serious is H3N2 virus?
Patients with influenza A H3N2 who have severe acute respiratory infections (SARI) and are hospitalized are in a serious state of health. According to a news article, roughly 92% of such patients had a fever, while 86% coughed, 27% felt breathless, and 16% wheezed. 16% more had clinical pneumonia symptoms, and 6% more experienced convulsions. In addition, 10% of the H3N2 patients with SARI needed oxygen assistance, and 7% needed treatment in an intensive care unit (ICU).
India's cost of flu treatment
As previously indicated, antibiotics are ineffective in treating flu infections. What additional approaches are there to treating this condition? Here are some details
A doctor may occasionally prescribe antivirals like oseltamivir (Tamiflu) and zanamivir (Relenza). If any of the following apply to you:
at least 12 years old
just under 48 hours after beginning symptoms
This therapy can have unwanted consequences. Thus it's recommended to take pills that a licensed doctor has prescribed.
Drugs that relieve pain
You can manage symptoms like bodily pain and headaches using painkillers. However, once more, it is crucial not to use painkillers without a doctor's guidance. In addition, a few painkillers, including aspirin, should not be given to children under 12.
Treatment at home
Ideally, the infection will clear up independently without any special care. Be sure to stay hydrated and get enough rest. Stay away from anyone you are close to. But if your symptoms develop, your fever doesn't go away following 4-5 days, or you start to feel short of breath, you should see a doctor.
The therapy's price may differ from one doctor to another. You will be responsible for paying the doctor's fees and the costs associated with purchasing the prescribed medications. The price may increase if the virus causes additional serious ailments. Experts advise investing in health insurance cover H3N2 virus.
Why is a Health Plan ideal to battle Flu Cases?
Health insurance cover H3N2 virus, or health care might or might not cover the flu. Yet, if the flu develops into another serious medical problem, it can save you money.
You should purchase health insurance for the following reasons:
Given the escalating expense of medical services in India, it's grown increasingly challenging for those with ordinary incomes to pay for high-quality care.
A health care plan will provide complete protection against costs spent while caring for you and your household.
A decent health insurance program will cover hospitalization, prescription drug costs, diagnostic, pre- and post-hospitalization costs, etc.
The extent of coverage, however, may differ from insurance to policy and insurer to insurer. Therefore, a better source should be sought after.
Diagnosis of the H3N2 Flu
Your doctor will first do a physical examination to check for flu symptoms. Suppose someone in your family or acquaintances has recently become unwell with this condition. In that case, he will question whether you can recall directly interacting with an infected person. He is only allowed to request tests that look for flu viruses.
Rapid diagnostic tests for influenza, which take samples from the throat or back of the nose, are among the most used tests. In a matter of minutes, this kind of test can produce findings. This test may not, however, always yield reliable findings. If you still exhibit flu-like symptoms, your doctor may decide to treat you. To cover all costs, investing in health insurance cover H3N2 virus is advised.
How does the H3N2 influenza virus work?
The H3N2 influenza virus brings on respiratory system infections. By evolving into various strains, it also infects animals and birds. According to the CDC and the World Health Organization, the H3N2 influenza virus is a member of the influenza clan. So, in short, it is an infection-causing virus that causes the flu in people.
What signs of the flu virus (A H3N2) are present?
Many illnesses, including pulmonary disease, respiratory distress syndrome (RDS), and others, are brought on by different influenza viruses, including those from swine and avian sources. These illnesses also produce fever and coughing.
The H3N2 virus can cause various symptoms, including chills, coughing, aches in the body and muscles, fever, uneasiness, vomiting, congestion or runny nose, hoarseness, and, in rare cases, diarrhea.
H3N2 infection may be present if a person exhibits these symptoms, has a fever, breathing problems, chest pain, and a sore throat while gulping down food. The patient must visit a doctor immediately if such is the situation.
What is the H3N2 Flu Virus Spreading Mechanism?
The H3N2 virus is highly infectious and spreads quickly from one sick person to another. Among the several methods the virus might propagate are;
If you wipe your nose or mouth after coming into contact with a person who has been infected or a surface that has the virus on it,
The virus may spread through droplets emitted when the infected person coughs, sneezes or speaks.
Pregnant women, small children, and the elderly are most vulnerable to this infection. An increased risk of complications from the flu exists in those with underlying medical conditions.
How should one protect themselves from the H3N2 virus?
Typically, the respiratory system is the target of the H3N2 virus. Thus, a pulse oximeter must monitor the oxygen level continually. Moreover, if the oxygen saturation level is less than 95%, it's crucial to consult a doctor.
Intensive care is also necessary for those whose oxygen saturation level is lower than 90%. It's not a good idea to self-medicate under such circumstances.
What H3N2 Influenza Virus Treatment Alternatives Are There?
Getting enough rest and drinking enough water is a must. To treat H3N2 influenza, one may also use over-the-counter fever-relieving medications. In addition, the doctor may suggest taking antiviral medicine if a patient exhibits severe symptoms and is at high risk.
The WHO also advised patients to start taking neuraminidase inhibitors within 48 hours for individuals who exhibit symptoms. If nothing else works, health insurance cover H3N2 virus will give you peace of mind.
How to avoid the H3N2 virus: Dos and Don'ts
Taking the required precautions to stop the virus's future spread is crucial since it can spread quickly.
Keep up with regular soap and water hand washing.
Putting on a mask
Don't go to areas that are packed.
Keep your hands off your mouth and nose.
Cover your mouth while sniffling or sneezing.
Be hydrated by consuming lots of liquids.
If you have a fever, bodily aches, or other symptoms, visit a doctor.
Be careful not to spit in public.
Avoid using self-medication.
This influenza virus can cause serious health problems in humans and lower immunity. When someone already has a chronic illness like pneumonia, diabetes, bronchitis, a heart issue, or any pre-existing condition, these can happen. Among the severe problems are the following:
Toxic Shock Syndrome
It is significant to emphasize that numerous cases of influenza are not H3N2-related and are simply the common cold. Fever, coughing, hoarseness, and body aches are typical flu signs. However, to avoid becoming confused, it is crucial. Without first speaking to a doctor and receiving a complete examination, patients must not take any H3N2 medications.