Health Insurance for Vector-borne Diseases: An Introduction
According to data provided by the World Health Organization (WHO), vector-borne diseases contribute to more than 17% of all infectious diseases globally.
WHO data also shows that vector-borne diseases cause 700,000 deaths globally each year.
Most health insurance plans offer coverage for vector-borne diseases. However, some health insurance companies also provide dedicated plans for these ailments.
Health insurance for vector-borne diseases is designed to safeguard you and your family from hospitalization and treatment expenses. Every year, a large number of people are affected by diseases like malaria, dengue, and chikungunya, predominantly during the monsoon season, often due to unhygienic living conditions or stagnant water. These diseases are highly transferable through vectors like mosquitoes, causing large outbreaks.
In this article, we discuss various vector-borne disease insurance plans offered by health insurers, their benefits, and why investing in one is a wise decision.
What Are Vector-borne Diseases?
Vector-borne diseases are infections caused by parasites, viruses, and bacteria transferred by vectors (insects). Some of the most common vector-borne diseases globally include:
- Malaria
- Dengue
- Chikungunya
- Seasonal influenza
- Filaria
- Zika Virus
- Black Fever or Kala Azar
Health Insurance to Cover Vector-borne Diseases
Below are our top picks for health insurance plans covering vector-borne diseases, offering economical premiums and excellent features for 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 |
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Bajaj Allianz M Care
Bajaj Allianz M Care is designed to safeguard you and your family from mosquito-borne diseases like dengue, malaria, chikungunya, and Zika virus. With a sum insured of INR 75,000, this plan is available annually. Learn more about Bajaj Allianz M Care below.
Key Features
- 20% discount on premium for online purchases via the Bajaj Allianz website.
- Covers 7 vector-borne diseases for you and your family.
- Sum insured options from INR 10,000 to INR 75,000.
- Lifetime renewability available.
- Covers hospitalization and treatment expenses.
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Shri Vector Care
Shri Vector Care is a health insurance plan designed to address the escalating medical costs associated with hospitalization due to vector-borne diseases. It offers a lump sum amount for listed vector-borne diseases up to the sum insured. Learn more about Shri Vector Care below.
Key Features
- Eligibility: 91 days to 65 years.
- Available as individual and family floater plans.
- Lump sum benefit for hospitalization and treatment of vector-borne ailments.
- Covers ailments like malaria, dengue, lymphatic filariasis, Kala Azar (Black Fever), Japanese encephalitis, chikungunya, and Zika virus.
- Economical coverage for vector-borne ailments.
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Future Generali Future Vector Care
Future Generali Future Vector Care is an economical health plan covering major vector-borne diseases like dengue, Zika virus, and malaria. Learn more about the plan below.
Key Features
- Eligibility: Day 1 to 65 years of age.
- Lifelong renewability available.
- Covers self, spouse, and up to 3 dependent family members.
- No pre-policy medical check-up required.
- A 60-day waiting period applies if the customer is suffering from any listed disease at the time of policy purchase.
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IFFCO Tokio MOS Bite
The plan provides a lump sum on the diagnosis of any listed vector-borne diseases such as malaria, dengue, chikungunya, and Zika virus. Learn more about the IFFCO Tokio MOS Bite health plan below
Key Features
- Covers 7 listed vector-borne diseases: 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 aged 18 to 65 years can avail of the plan.
- Avail treatments in 7000+ cashless network hospitals.
Should You Buy Health Insurance for Vector-borne Diseases?
One can never have enough health insurance for themselves or their loved ones, given the multitude of ailments affecting people today. With increasing sedentary lifestyles and weakened immune systems, investing in a solid health insurance plan is a necessity.
Health insurance for vector-borne diseases offers the following benefits:
- Medical inflation has led to a consistent rise in healthcare costs. Hospitalization and treatments for diseases like dengue, malaria, and chikungunya can result in hefty medical bills. Investing in vector-borne disease insurance can protect your finances and help you access quality medical care.
- Receive a lump sum amount upon diagnosis of covered ailments like malaria, chikungunya, dengue, Zika virus, etc.
- Affordable premiums make these health plans accessible to individuals across all economic strata.
- A minimal waiting period, typically 15 days, applies to vector-borne disease health insurance, varying by plan.
How to Purchase 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 PolicyX website.
- Click on the 'Health Insurance' tab.
- Fill in required details such as age, city, name, and phone number.
- Click on 'Get Free Quotes'.
- Compare and select desired plans.
- Our team of insurance experts will contact you to assist in making 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 complete 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:
- Claim Form
- Identity Proof
- Doctor Prescription
- Tests and Reports
- Policy Card
- After verification of all documents, your health insurance claim will be settled.
Things to Consider When Purchasing Health Insurance for Vector-borne Diseases
Consider the following features when purchasing vector-borne health insurance:
- Ensure the sum insured is adequate to meet all your health insurance needs.
- Consider plans offering lifelong renewability.
- Check for additional perks such as online purchase discounts and other benefits.
- Verify all vector-borne diseases covered by your health insurance plan.
- Understand the minimum waiting period before coverage for vector-borne diseases begins.
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.
Beyond government initiatives, health insurance companies offer various vector-borne health insurance plans at affordable premiums to help you manage the financial burden. To understand more about vector-borne health insurance, connect with our insurance experts at PolicyX.
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