Health Insurance to Cover Vector-borne Diseases

In recent decades, cases of vector-borne diseases like Malaria, Dengue, and Chikungunya have been on a constant rise. These diseases are spread through mosquitos and affect a number of people in India every year. Due to the tropical and sub-tropical climates, these diseases put both the urban and rural population at risk. In India, hospitalization expenses for dengue treatment can range anywhere between Rs. 35,000 and Rs. 75,000.

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    Dengue and malaria are dreaded diseases and therefore health insurance companies are providing special insurance plans to take care of medical expenses incurred on the treatment. However, most of the individual or family health insurance plans cover these vectors- borne disease in the basic plan.


    Dengue cover is also available as an add-on in your basic health insurance plan. However, there are special plans also that cover the risk independently. They cover both inpatient and outpatient medical expenses. Below are some of the health insurance plans that provide dengue and malaria cover:

    Bajaj Allianz M-Care Health Insurance

    Baja Allianz M-Care is a health insurance policy that is designed to cover treatment expenses incurred on vector-borne diseases. The disease covered include Dengue Fever, Chikungunya, Filariasis, Malaria, Kala Azar, Japanese Encephalitis, Filariasis, and Zika Virus. The policy features and benefits are given below:

    Sum Insured up to Rs. 75,000
    Policy Premium Rs 160 to Rs 3000
    Age Criteria 18-65 years
    Coverage Type Family Floater

    Feature and Benefits:

    • The policy coverage amount ranges from Rs 10,000 to Rs 75,000
    • This is a family floater policy that can cover the proposer’s spouse, children and parents
    • Cost of medicine during the treatment
    • Cost of diagnostic tests before /during hospitalization
    • Doctor’s fees before /during hospitalization
    • Expense incurred on malaria and dengue treatment 15 days before/during hospitalization
    • Treatment charges such as ICU, room rent charges, doctor fees, blood transfusion, etc.
    • payment for Filariasis treatment is paid once in lifetime only
    • A waiting period of 60 days is applicable

    Future Generali Future Vector Care

    This is a dengue care family health plan that provides lump sum amount upon diagnosis of any vector-borne diseases such as:

    • Dengue
    • Malaria
    • Chikungunya
    • Kala-azar
    • Japanese Encephalitis
    • Lymphatic Filariasis
    • Zika Virus
    Sum Insured Rs 10,000 to Rs. 75,000
    Policy Term 1-3 Years
    Age Criteria 1 day -65 years
    Coverage Type Family Floater

    Features and Benefits:

    • In this Dengue care policy, you can cover Self, Spouse, 2 dependent parents and up to 3 dependent children (less than 25 years old)
    • The sum insured options range from Rs.10, 000, 25000, 50,000 and Rs. 75000Pre-medical screening is not required before policy purchase
    • Waiting period for initial 15 days shall apply
    • Policy term options are 1-3 years
    • Lifetime renewability option is provided
    • 7.5 % discount on the premium on purchase of a long-term plan
    • Cashless treatment cover is available

    Health Insurance Premium for Dengue/Malaria

    The cost of premium for these single-disease-health insurance plans is quite low.  Here are a few to give an idea.

    Bajaj Allianz M-Care plan is available at an annual premium of Rs 1200 for Rs 75,000 sum insured for 1-year on Individual basis and Rs 3000 on family floater basis.

    Should You Buy Dengue Insurance Cover?

    Mentioned above were some dengue-care-specific health plans, which only cover expenses that were incurred on the dengue treatment. While purchasing a disease or illness-specific plan do not just consider the less premium, make sure that the plan offers comprehensive coverage benefits like inpatient and outpatient hospitalization expenses, cost of diagnostics procedure, home-care, and so on for the illness that is being covered.

    It is suggested to have a basic health insurance plan for basic coverage along with these special plans. One of the major benefits is that when you file a claim for dengue or malaria, it will not impact your no-claim-bonus and your sum insured will also remain intact in case of a family health plan.


    As in India most of us are vulnerable to vector-borne illnesses like dengue and malaria, it makes sense to consider buying a health cover for these diseases.  If your basic health plan covers it then you can skip it. And if it doesn’t then you can buy an add-on or a special family health insurance or individual health insurance plan that covers these diseases from the above-mentioned list. If you have a huge family then also you can get this cover and live stress-free.

    Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Written By: PolicyBazaar - Updated: 23 August 2021

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