Health Insurance for Vector Borne Diseases? Why Not! | 7209


Health Insurance for Vector Borne Diseases? Why Not!

According to a recent report, India holds the fourth position for highest number of malaria cases in the world. A major public health challenge, malaria is a vector-borne disease caused by plasmodium parasite, which is spread to human beings through the bites of infected mosquitoes. Other than malaria, there are many other vector-borne diseases such as chikungunya, dengue, filariasis, kala azar, Japanese encephalitis, zika virus, etc., that are caused by mostly bloodsucking insects, like flies, triatomine bugs, ticks, sandflies, fleas, and mosquitoes.

It is important to note that vector-borne diseases result in more than 17% of all infectious diseases, causing more than 700000 deaths annually. Many people struggling with vector-borne diseases also lose their life because they either lack money for the treatment or are not able to avail the perfect treatment at the right time.

To prevent people from becoming helpless if diagnosed with vector-borne diseases and facing lack of money for its treatment, health insurance companies have come up with health insurance plans for vector-borne diseases.

Need for Health Insurance for Vector-Borne Diseases?

Vector-borne diseases have always been common in India. However, they are taken lightly in the initial phase because vector-borne disease start by exhibiting flu-like symptoms, owing to which proper diagnosis and treatment is generally not accurate in the early stages. When the diagnosis and treatment is not done in proper time, some vector-borne disease end up in death or other serious conditions, thereby making situation even worse.

Lack of treatment, owing to insufficient money or carelessness can be extremely harmful in such situations. Therefore, it is better that an individual invests in health insurance for vector-borne diseases before the situation gets out of hand.

Having said that, investing in health insurance for vector-borne disease should be emphasised so that one doesn’t end up losing their financial stability, health, as well as peace of mind.

Health Insurance for Vector-Borne Diseases – Plan Options

  • M-Care : Bajaj Allianz Health Insurance 

Another gem in the vast product selection of Bajaj Allianz, M-Care is health insurance policy, specifically designed to provide coverage for vector-borne diseases. Available on both, individual and family floater basis, M-Care offers a lump sum amount on diagnosis of a vector-borne disease. However, the patient needs to stay in the hospital for more than 24 hours in order to avail the policy benefits. Most importantly, vector-borne diseases covered under the policy include Dengue Fever, Malaria, Chikungunya, Kala Azar, Filariasis, Japanese Encephalitis, and Zika Virus. Overall, the policy is worth investing in.

Key features: 

  • Annual policy
  • Lifelong renewability
  • Coverage for 7 vector-borne diseases
  • Eligible for age group from 0 days to 65 years
  • Sum insured range – Rs. 10,000 up to Rs. 75,000
  • Cashless facility available at the time of hospitalisation

To discover more about this affordable Health Insurance Plans for vector-borne disease, check M-Care by Bajaj Allianz.

  • Future Vector Care : Future Generali 

Affordable and reliable, Future Vector Care is a Future Generali health insurance policy that offers coverage for expenses incurred, owing to serious illnesses caused by vectors. Helping people cover their spouse, up to 3 dependent children and 2 dependent parents, apart from themselves, Vector Care provides a lump-sum payment of 100% if the policyholder gets hospitalised due to vector-borne diseases. The vector-borne ailments covered under the policy include Malaria, Chikungunya, Zika Virus, Dengue, Kala-azar, Lymphatic Filariasis, and Japanese Encephalitis. All in all, it is a great health investment.

Key features : 

  • Policy term – 1 year, 2 years, 3 years
  • Guaranteed renewal for life
  • 7 major vector-borne diseases covered
  • Eligible for individual aged between 1 day up to 65 years
  • Sum insured range – Rs. 10,000 up to Rs. 75,000
  • No pre-insurance medical examination test required

If interested in learning more about this health insurance option covering vector-borne ailment, visit Vector Care by Future Generali.

  • Mosquito Disease Protection Policy (Group) – HDFC ERGO

A new plan in the range of HDFC ERGO, Mosquito Disease Protection is a group policy that provides cover for vector-borne diseases. Offering cover for vector-borne diseases such as Chikungunya, Malaria, Dengue Fever, Japanese Encephalitis, Lymphatic Filariasis, Zika Virus, and Kala-Azar, the policy offered is a great investment. The policy benefits include inpatient hospitalisation, pre & post hospitalisation cover, reinstatement of sum insured, accidental death due to vector-borne diseases. The optional covers include outpatient treatment expenses, recovery benefit, etc.

If willing to learn more about this new health insurance policy for vector-borne disease, explore Mosquito Disease Protection Policy by HDFC ERGO.


Now that the importance of health insurance for vector-borne diseases is clear to you, make sure you invest in the best plan according to your medical needs.

To uncover more about plans for vector-borne diseases, visit our site.

Don’t forget to check other health insurance plans as well.

You can also initiate contact with our experts at 18001205698 in case of any confusion.



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