Hand, Foot, and Mouth Disease (HFMD) is a common condition affecting children who are aged 5 years or younger. Common symptoms of this disease include an onset of fever, rashes on the palms, and soreness in the throat among other signs. Given the high incidence of HFMD in Singapore, it is important for parents to ensure that their child stays safe against this condition. More importantly, it also helps to have insurance coverage against such conditions, especially when your child has high contact with other children.
How do you get coverage for HFMD?
One of the best ways to stay covered against a condition such as HFMD is by opting for a personal accident insurance plan. A personal accident insurance plan taken for your child will cover them against HFMD as well as a host of other infectious diseases. Under this plan, you can make a claim for expenses incurred due to the treatment of HFMD for your child.
As part of the personal accident insurance plan, you can make a claim up to the limit of coverage for HFMD specified in the plan. The claim is valid upon admission to hospital or even for outpatient expenses.
How severe is HFMD?
For most, a case of HFMD is generally managed with the help of sufficient hydration through the consumption of fluids. However, if the symptoms worsen, the child should be taken to a doctor. Do not let your child come into contact with their friends as HFMD is quite contagious in nature. It is important to ensure that your child gets plenty of rest while recovering from HFMD.
What else does a personal accident insurance plan cover?
A standard personal accident insurance plan in Singapore offers comprehensive coverage against accidental death and injuries sustained due to accidents. It can also cover the insured individual in a number of situations such as the following:
Infectious diseases like dengue fever, malaria, mumps, measles, rabies, and tuberculosis
Insect and animal bites
Injuries incurred due to National Service, reservist and adventurous/ high risk activities like scuba diving
As part of the coverage, insurers in the country also consider treatment received from Traditional Chinese Medicine (TCM) as qualifying for reimbursement. Some of the best accident insurance plans also offer you 24-hour comprehensive coverage worldwide. That kind of protection can truly give peace of mind as accidents often occur when we least expect them to.
Do bear in mind that the exact inclusions in a personal accident insurance cover can vary between insurance providers. It is advisable to talk to a financial consultant for further help in purchasing the right plan.
Teaching our little ones to incorporate hygiene into their daily routine can go a long way in keeping them safe from conditions such as HFMD. And, for situations that are simply unavoidable, insurance is always there to back you up. We hope that this article has been helpful for you today. Take care.