Is Black Fungus Treatment Covered under Health Insurance?

Is Black Fungus Treatment Covered under Health Insurance?

In India, the prevalence of Black Fungus (Mucormycosis) is increasing. COVID-19 survivors are more likely to contract this fungal infection. In India, black fungal infection is becoming more common among patients with diabetes, kidney disease, and cancer. So far, cases have been recorded in several states, including Delhi/NCR, Maharashtra, and others.

While the number of cases continues to rise, it is not yet considered an epidemic. It is one of the rarest forms of fungal infection, affecting one in every ten thousand people and resulting in a 50% overall mortality rate.

Anti-fungal medicines, which are needed to treat the Black Fungus infection, are expensive, and there is currently a shortage in the country. There is currently a need for multidisciplinary specialists, as well as ways to reduce the financial burden on individuals, especially those who are covered by health insurance policies.

As a result, the question remains...

Does health insurance cover Black Fungus (Mucormycosis) Infection?

Yes, after the 30-day waiting period has passed, your current health insurance coverage will cover the costs of Mucormycosis care.

According to News 18, the infection is already covered by the Mahatma Jyotirao Phule Jan Aarogya Yojana (MJPJAY) and the Pradhan Mantri Jan Aarogya Yojana (PMJAY) in some states such as Maharashtra.

However, you can consult with your provider to see if it covers the medication and what the waiting time is before you can receive it.

What is Mucormycosis or Black Fungus and how serious it is?

After SARS CoV-2 infection, black fungus infection can occur at any time during the hospital stay or several days to weeks after discharge.

India has a large diabetic population that is still in danger. The irrational use of steroids and antibiotics for Covid-19 patients adds to the risk.

Headache, fever, sinus inflammation, one-sided facial swelling, black lesions on the nasal bridge, and other COVID-19 symptoms are the common symptoms of Black fungus infection.

From where is it originated?

Mucormycosis (also known as Zygomycosis) is a rare but severe fungal infection caused by micromycetes, a type of mold.

Molds from the order Mucorales cause rhino-orbital-cerebral-Mucormycosis. Mucor, Rhizopus, and Rhizomucor are some of the subgroups that are involved in this fungal infection.

What Does Black Fungus Do?

These fungi infect nearby blood vessels, destroying them and causing tissue necrosis, which can lead to death. These molds can be found in the environment, and their spores can be found in the air. They become lodged in the sinuses and nasal cavity.

They hide inside the tissue when they find a suitable environment.

The spores germinate and begin to kill the surrounding host tissue, the nasal cavity, and the sinuses as they expand in the nasal cavity. The orbital bones, hard palate, and skull base bones are among them.

It can cause eye pain, bulging eyes, blindness, and frozen eye movements once it reaches the eye socket.

It may also cause bleeds and strokes in the brain.

Not only that, but spores will kill lung tissue and cause breathing problems if they penetrate deep into the respiratory system.

Furthermore, it has the potential to spread across the circulatory system, causing an existential crisis.

The most prevalent types of the disease are infections of the brain and oral cavity, but the black fungus can also affect other organs such as the gastrointestinal tract and skin.

Who gets affected by fungal infections?

Mucormycosis is more common in people who have a weakened immune system, as previously mentioned. Immune deficiency is caused by a variety of factors, including:

  • Diabetic ketoacidosis, or elevated blood sugar levels in diabetics, creates an ideal condition for fungal infections. Another cause is a reduction in immunity.
  • Patients on Steroid medication, both diabetic and non-diabetic, experience an increase in blood sugar levels and, as a result, a decreased immune response.
  • High-risk patients include those with blood cancers and those who have undergone stem cell therapy or organ transplantation while on immune suppressants.
  • Patients taking deferoxamine (a drug that induces iron overload) are also at risk.
  • After COVID-19 recovery or treatment, someone with burns, wounds, or malnutrition is vulnerable to Black fungus infection.
  • One way to prevent the spread of this infection is to make sure that Coronavirus patients are given the correct dosage and length of steroids, both after recovery and during treatment.
  • It is critical that people, particularly those with cancer, diabetes, kidney, or liver disease, track their blood glucose levels on a regular basis.

Your Existing Health Insurance Plan Covers Black Fungus (Mucormycosis) Treatment

If you have a health insurance policy, the insurer is responsible for paying for your Mucormycosis medication as well. In addition, if you are covered by a COVID-19 health insurance policy, the health insurance company can reimburse you for the treatment.

Some government health insurance plans provide coverage for hospitalization costs due to Black Fungus (Mucormycosis). Please double-check your policy wordings and keep fighting the pandemic in good spirits.

The bottom line

Seems quite scary! But do not fret, if you have health insurance you can pay for the treatment and avail the best healthcare services in the top hospitals in India. For more details and assistance, you can write to us at or call us at 033 – 6607425.

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