The outbreak of the pandemic has prompted the scientific community to build models that can reliably monitor and predict the evolution of pandemics. Payment of medical expenses is the most important benefit offered by pandemic insurance policies. This paper considers a one year healthcare insurance contract in which a policyholder protects against an epidemic risk within the policy term and its side effects at most five years later for those who got an infection during the policy period. To derive actuarial computations, it considers a SIDS epidemic model in which infection rates depends on the time. Under such SIDS epidemic model and four health insurance plans fair premium have been evaluated.