The above article was published in “the Asianparent“.
Parents can minimize the risk of the child infected with HFMD by not bringing them to areas like playground or shopping malls but some places, such as schools, cannot be avoided.
In most cases of HFMD, the treatment is similar to the child having a fever. But in more severe cases, the child needs to be hospitalised for dehydration because the child is in so much pain due to the ulcers in the mouth and cannot eat or drink. It is common for the parents to take childcare or annual leave to look after the child if he is infected with HFMD and the parents may have to take a no-pay leave if they had used up their entitled leaves. The medical fees for the HFMD is not much different from the usual consultation with the GP unless it leads to an hospitalisation. Even with that situation, it will be covered if your child has a hospitalisation medical insurance such as the integrated shield plans.
There are also instances where the child is not infected but the childcare centers are to be close for disinfection due to HFMD. In such cases, none of your medical insurance may be claimable. If you are concern about such incidents, you can look at very affordable insurance plan that may cost less than $1 a day.
A brief summary of different plans in the market that can cover you for the medical bills incurred for HFMD as well as the closure of your childcare center due to HFMD can be seen here.
In addition to HFMD, these plans also cover the injuries that a child sustained from accidents e.g. run and fall in school or home.
If you need more information on these plans, please drop me an email.