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Multi-System Inflammatory Syndrome and Health Insurance

Multi-System Inflammatory Syndrome (MIS) is a serious condition associated with COVID-19. It is a rare condition, and only a few people with COVID-19 infection could develop MIS. In patients suffering from MIS, multiple organs become inflamed. Organs that get inflamed are the heart, lungs, kidneys, brain, skin, eyes or gastrointestinal organs. 

MIS can be of two types:

MIS-A

If MIS occurs in adults, it is called MIS-A. 

MIS-C

If MIS occurs in children, it is called MIS-C. It is more common among children than adults.

Syndrome, not Disease

MIS-C is still considered a syndrome. A syndrome is a group of signs and symptoms. It is not yet considered a disease because we do not know much about it. We know that MIS-C occurs in children who had COVID-19 or who were around COVID-19 patients.

Other than that, we know little about the cause and risk factors. Identifying and studying more children with MIS-C will help in finding the cause and triggers.

Much remains to be learned about this emerging inflammatory syndrome. If your child shows any signs or symptoms, you should get help fast.

Symptoms

Following signs and symptoms of a multisystem inflammatory syndrome in children (MIS-C) have been observed. However, not all children have all the symptoms.

  • Fever that lasts 24 hours or longer
  • Vomiting
  • Diarrhoea
  • Pain in the stomach
  • Skin rash
  • Feeling unusually tired
  • Fast heartbeat
  • Rapid breathing
  • Red eyes
  • Redness or swelling of the
  • Lips and tongue
  • Redness or swelling of the hands or feet
  • Headache, dizziness or lightheadedness
  • Enlarged lymph nodes

Emergency Warning Signs of MIS-C

  • Severe stomach pain
  • Difficulty breathing
  • Pale, grey or blue-coloured skin, lips or nail beds — depending on skin tone
  • Confusion
  • Inability to wake up or stay awake

When to see a doctor?

If your child exhibits any of the emergency warning signs listed above, see a doctor immediately. Also, if your child is severely sick with other signs and symptoms, consult a physician immediately. 

Doctors may perform tests such as blood tests, imaging tests of the chest, heart or abdomen. These are to check for areas of inflammation and other signs of MIS-C.

Are your Finances Safeguarded from Medical Expenses?

MIS-C is a rare condition and affects only a few children. However, we are all susceptible to rare and not so rare ailments. Medical emergencies tend to come as a nasty surprise without warning or precedent. 

Dealing with the physical and emotional aspects of the hospitalisation of a loved one can be challenging. Medical expenses can also drill a large hole in your finances. It may take you years to recover from the financial situation. 

This is largely avoidable. How? Read along to know.

Apply for Medical Insurance

Medical insurance online application can be much easier than you anticipated. You can apply for health insurance online using a trusted website or app. Read along to know how medical insurance can mitigate the financial aspect of medical emergencies.

Benefits of Health Insurance

Most insurers cover the following in medical insurance policies.

Pre-hospitalisation Expenses

Unless in an emergency, you don’t go straight away to the hospital. You should first consult with your local family doctor. You perform a few tests on his advice. You may even get medicines and consult with a specialist before going to the hospital. All of these, if connected to a hospitalisation event, are called pre-hospitalisation expenses.

Hospitalisation Expenses

You incur several expenses during hospitalisation. These may be room rent, medicines, tests, equipment, procedures, surgeries etc. These fall under hospitalisation expenses.

Hospitalisation Expenses

Even after a hospitalisation event, you may be advised to consult a specialist. You may also be advised of follow up tests and medicines for recovery. All of these, if related to a hospitalisation event, are called post hospitalisation expenses.

Daycare or Out Patient Department (OPD) Expenses

All treatments do not require hospitalisation for 24 hours or more. In some cases, you may visit the hospital for a few hours to get treatment. These are called daycare or OPD procedures.

Cashless Hospitalisation at Network Hospitals

Most insurers offer cashless hospitalisation at their network hospitals. Your cashless claim can be sent for pre-approval upon admission to the hospital. Typically, cashless hospitalisation claims take less than a day for approval.

Safeguard your Finances with Health Insurance

With advantages like those listed above and many more, health insurance is getting popular among Indians. You, too, can safeguard your finances from emergency medical expenses by applying for medical insurance.


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