Health Insurance Coverage For Vector-Borne Diseases
  • Explore vector-borne Diseases
  • Best Vector-Borne Health Plans
  • Features and Benefits
Health Insurance Coverage For Vector-Borne Diseases
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Health Insurance For Vector-borne Diseases: An Introduction

According to the data provided by the World Health Organization (WHO), vector-borne diseases contribute to more than 17% of all infectious diseases globally.

Also, WHO's data shows that annually 700,000 deaths are caused due to vector-borne diseases globally!

Most health insurance plans offer coverage for vector-borne diseases. However, there are a few health insurance companies with dedicated health insurance to cover vector-borne diseases.

Health insurance to cover vector-borne diseases is designed to safeguard you and your family from hospitalisation and treatment expenses. Every year a large number of people are affected by diseases like malaria, dengue, and chikungunya predominantly during monsoon due to unhygienic living conditions or stagnant water logging issues in many areas. These diseases are highly transferable from one individual to another through vectors like mosquitoes, etc causing large outbreaks.

In this article, we discuss the various vector-borne disease insurance plans offered by health insurers, their benefits, and how investing in one is a good idea.

What Are Vector-borne Diseases?

Vector-borne diseases are classified as infections caused by parasites, viruses, and bacteria which are transferred by vectors (insects). Some of the most common health vector-borne diseases across the globe are:

  • Malaria
  • Dengue
  • Chikungunya
  • Seasonal influenza
  • Filaria
  • Zika Virus
  • Black Fever or Kala Azar

Health Insurance To Cover Vector-borne Diseases

Given below are our top picks of health insurance to cover vector-borne diseases which are not only economical but also loaded with the best features to provide you with premium healthcare.

Health Plan Sum Insured Minimum Waiting Period
Bajaj M Care Health Insurance INR 75,000 15 Days
Shri Vector Care INR 75,000 15 Days
Future Generali Future Vector Care INR 75,000 15 Days
IFFCO Tokio MOS Bite INR 1,00,000 15 Days
  1. Bajaj Allianz M Care

    Bajaj Allianz M Care is designed to safeguard you and your family from mosquito-borne diseases such as dengue, malaria, chikungunya, Zika virus, and more. With a sum insured of INR 75,000, the plan is available on an annual basis. Read along to find out more about Bajaj Allianz M Care.

    Unique Features

    • A 20% discount on premium is available if you purchase this plan online via the Bajaj Allianz website
    • This vector-borne disease insurance safeguards you and your family from 7 vector-borne diseases
    • Sum insured options range between INR 10,000 to 75,000
    • A lifetime renewal is available with the Bajaj M Care Health Plan
    • Hospitalisation and treatment expenses are covered under the Bajaj Allianz M Care
  2. Shri Vector Care

    A health insurance plan designed to tackle the escalating medical care costs related to hospitalisation due to vector-borne diseases. Shri Vector Care offers a lump sum amount for listed vector-borne diseases up to the sum insured. Read along to find out more about Shri Vector Care.

    Unique Features

    • The eligibility criteria for Shri Vector Care starts at 91 days to 65 years
    • The plan is available as an individual and family floater health insurance
    • The lump sum can be utilized for hospitalisation and treatment of vector-borne ailments
    • Shri Vector Care covers ailments like malaria, dengue, lymphatic filariasis, Black Fever, Japanese encephalitis, Chikungunya, and Zika Virus
    • Economical healthcare against vector-borne ailments
  3. Future Generali Future Vector Care

    Covering major vector-borne diseases such as dengue, Zika virus, malaria, and more, Future Generali Vector Care is an economical health plan. Read along to find more about the Future Generali Vector Care plan below.

    Unique Features

    • Eligibility criteria range between Day 1 to 65 years of age
    • Lifelong renewability available
    • Coverage for self, spouse and up to 3 dependent family members is available
    • No pre-policy medical check-up is required to invest in Future Generali Vector Care health plan
    • A 60-day waiting period is applicable in case the customer is suffering from any one of the listed diseases at the time of policy purchase
  4. IFFCO Tokio MOS Bite

    The plan provides a lump sum insured on the diagnosis of any of the listed vector-borne diseases such as malaria, dengue, chikungunya, and Zika virus. Read along to find more about the IFFCO Tokio MOS Bite health plan below

    Unique Features

    • Covers 7 listed vector-borne diseases like malaria, chikungunya, dengue, kala-azar, lymphatic filariasis, Japanese encephalitis, and Zika Virus
    • Available as individual and family floater plan
    • Base Sum Insured available up to INR 1 Lakh
    • Adults between the ages of 18 to 65 years can avail of the plan
    • Avail treatments in 7000+ cashless network hospitals

Should You Buy Health Insurance to Cover Vector-borne Disease?

One can never have enough health insurance for oneself or their loved ones as there are multiple ailments affecting people today. With an increase in sedentary lifestyles and weakened immune systems, it is a necessity to invest in a solid health insurance plan.

Health insurance for vector-borne diseases is beneficial to you in the following ways:

  • Medical inflation has resulted in a consistent rise in medical care costs. Hospitalisation and treatments for diseases like dengue, malaria, and chikungunya can result in hefty medical bills. Investing in vector-borne disease insurance can save your finances and help you avail of premium medical care.
  • Post operational complications
  • You will receive a lump sum amount on being diagnosed with any one of the covered health ailments like malaria, chikungunya, dengue, Zika virus, etc.
  • Minimal premiums are charged for Health Insurance for Vector-borne Diseases making it easier for individuals across all economic strata to invest in these health plans
  • A minimal waiting period of 15 days is applicable on health insurance for vector-borne diseases varying from plan to plan

How To Purchase A vector-borne Health Insurance With PolicyX?

Follow the steps below to purchase the best vector-borne health insurance plans providing you coverage for various diseases.

  • Visit the official website of PolicyX
  • Click on the 'Health Insurance' tab
  • Fill in important details such as 'age', 'city', 'name', and 'phone number'
  • Click on 'Get Free Quotes'
  • Compare and Select plans you want
  • Our team of insurance experts will contact you to help you make the best purchase decision

How To Claim Vector-borne Health Insurance?

Filing a claim settlement request for vector-borne disease insurance is a hassle-free process.

  • Fill Claim Form - The first step is to fill in the claim form and submit it to your health insurer along with your claim application.
  • Submit necessary documents - When filing a health insurance claim submit the following documents as required by the health insurer:
    1. Claim Form
    2. Identity Proof
    3. Doctor Prescription
    4. Tests and Reports
    5. Policy Card
  • After verification of all the documents, your health insurance claim will be settled.

Things To Keep In Mind When Purchasing Health Insurance For Vector-Borne Diseases

Consider the following features when purchasing vector-borne health insurance:

  • The sum insured amount should be adequate to fulfil all your health insurance needs
  • Consider a lifelong renewal health insurance for vector-borne health insurance plan
  • Check with your insurer about additional perks like if any online purchase discount and more benefits are available
  • Cross-check all the vector-borne diseases covered by your health insurance plan
  • Understand the minimum waiting period you are required to serve before your health insurance plan covers vector-borne diseases
Check Health Insurance Premium
Check Health Insurance Premium

Wrapping It Up

The Indian Government has launched various initiatives like Swachh Bharat Abhiyan to tackle large outbreaks of vector-borne diseases.

For a largely populous country like India, attention to cleanliness and waste management is imperative to control the spread of vector-borne ailments.

Apart from government initiatives, health insurance companies have launched various vector-borne health insurance at affordable premiums to help you tackle the problem. To understand more about vector-borne health insurance connect with our insurance experts at PolicyX.

Health Insurance For Vector-borne Diseases: FAQs

1. What is Vector-borne disease insurance?

Vector-borne disease insurance are special health insurance plan offering a lump sum amount to help you with treatment and hospitalisation in case you are diagnosed with any vector-borne diseases like malaria, dengue, chikungunya, etc.

2. What does a vector-borne disease insurance cover?

Health insurance for vector-borne diseases often provides the customer with a lump sum amount in case they are diagnosed with any of the listed vector-borne diseases. The expenses for hospitalisation and treatment costs are also covered.

3. What are the sum insured options available with vector-borne disease insurance?

There are various sum insured options available with vector-borne disease insurance ranging between INR 10,000 to 75,000 depending on the plan you purchase.

4. What are the benefits of investing in vector-borne disease insurance?

There are multiple benefits offered under vector-borne disease insurance such as,

  • Affordable Premiums
  • Hospitalisation and Treatment Expenses
  • Minimal Waiting Period

5. Do I get tax benefits for investing in health insurance for vector-borne diseases?

Yes, you are eligible for tax benefits under section 80D of the Income Tax Act of 1961.

Health Insurance Companies

What Our Customers Have to Say

Customer Review Image

Raghoba Phadke

Guwahati

April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

Customer Review Image

Akshat R Verma

Allahabad

April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

Customer Review Image

Akash Banerjee

Pune

April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

Customer Review Image

Sarthak Parmal

Delhi

April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

Customer Review Image

Trishna Rohilla

Bengaluru

April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

Customer Review Image

Sunaina Khanna

Ahmedabad

April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

Customer Review Image

Prakash Kaur

Hyderabad

April 8, 2024

PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.

Customer Review Image

Radhika Aneja

Coimbatore

April 8, 2024

With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.