6 Communicable Diseases in India to Watch Out For

Communicable diseases are a global concern. Research shows that about 1.2 billion people in the world are at risk of various communicable diseases due to poor access to clean drinking water, healthy food, hygiene practices, and proper sanitization. India also plays a significant role in generating various communicable diseases. Take a look at top communicable diseases in India and why health insurance is essential for their treatment.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Top 6 Communicable Diseases in India 

    Communicable diseases spread through direct physical contact with the infected person, airborne virus, contact with infected body fluids, or insect or animal bites. Infection from a communicable disease may cause mild to severe effects and the patient can be symptomatic or asymptomatic. Here are some of the most common communicable diseases in India-

    1. COVID-19 

    COVID-19 or the novel coronavirus disease is the recently discovered airborne disease caused by the SARS-CoV-2 virus. A COVID-19 infected person will experience mild to moderate respiratory illness and can recover with proper rest and medication. The coronavirus mainly spreads through droplets floating in the air when an infected person exhales, sneezes, or coughs.

    India is one of the worst-affected COVID-19 nations in the world, with more than 4.3 crores confirmed cases. Besides, the hospitalization expenses to cure this disease can get very high in case of comorbidity. So, it is advisable to buy a health insurance plan that covers COVID-19 treatment costs and offers a supportive hand during these tough times.

    2. Tuberculosis 

    Tuberculosis, commonly known as TB, is an airborne disease transmitted by droplet nuclei of 1-5 microns in diameter. A person having pulmonary or laryngeal TB bacteria when sneezes, coughs, talks, or laughs can transmit it in the air and infect the other person. TB disease infects the lungs or throat of an individual.

    If not diagnosed on time, the TB bacteria can move through the blood to other parts of the body, like the spine, kidney, and brain. The overall estimated cost for the treatment of this disease is minimal under the DOTS program but goes on for a long time. Thus, it can create a financial burden on the patient and his/her family. 

    3. Hepatitis 

    Hepatitis is an acute (short-term) and chronic (long-term) communicable infection that can cause inflammation of the liver. Although Hepatitis B, C, A and D spread through blood transfusion from an infected person, the symptoms can range from mild to severe. The primary symptoms of Hepatitis are abdominal pain, fever, loss of appetite, nausea, vomiting, dark urine, joint pain, weakness, and fatigue.

    The best treatment for any type of Hepatitis is anti-viral therapy, which is a costly affair. Therefore, you must have a health insurance plan to cover the medical expenses incurred on the treatment of this disease.

    4. Human Immunodeficiency Virus (HIV)

    The Human Immunodeficiency Virus (HIV) is one of the most powerful and easily transmitted diseases in the world. It affects and destroys CD4 cells in the human body that weakens the immune system.

    HIV is a sexually transmitted virus that can also be transferred from an infected mother to child during pregnancy. It is also transmitted through blood transfusion, breastfeeding, and sharing infected razors & injections.

    HIV treatment involves a type of medication known as antiretroviral therapy (ART), which is expensive. Thus, health insurance for HIV is recommended to avail coverage for the treatment cost.

    5. Malaria 

    Malaria is one of the most common and deadly communicable diseases caused by a plasmodium parasite. This parasite is transmitted from an infected mosquito bite into a healthy human body. The primary symptom of this disease is a very high fever and shaking chills.

    Malaria is a common disease among children below 5 years of age. Although this disease can be treated with prescribed drugs by your doctor, hospitalization may be required in severe cases. Therefore, having health insurance for malaria is a must. 

    6. Typhoid 

    Typhoid is a bacterial infection that can spread throughout the body and affect all the major organs of the body. It is also known as enteric fever, which occurs through ingestion of food & water, or from the excreta of an infected person.

    However, in the absence of the right treatment can be fatal. Therefore, you must avail the treatment on time and also cover yourself under a health insurance policy. 

    Why Should You Buy Health Insurance for Communicable Diseases?

    In India, treating communicable diseases like malaria, HIV, or COVID-19 involves huge healthcare costs like hospitalization expenses, day care expenses, ambulance charges, etc. Having the right health insurance policy will ensure that these medical bills are paid by the insurance company, thereby, reducing your financial stress.

    But before buying any type of health plan, you must know its premium, scope of coverage, sub-limits and exclusions. You must also check the waiting period for a communicable disease as the waiting period for these diseases may vary as per the health insurance plan. For example, malaria may be covered after a waiting period of 30 days while COVID-19 may be covered after a 15-day waiting period.

    Hence, it becomes important to check the terms and conditions of a health plan properly before buying. Moreover, you must compare multiple plans online and buy the best health insurance policy as per your needs on websites like Policybazaar.com. You can also avail of various discounts at the time of buying a health insurance policy like an online discount, loyalty discount, family discount, etc.


    There are various communicable diseases in India and some of them can seriously impact your health. Also, curing such diseases can be an expensive affair. But having a suitable health insurance plan will prepare you against any sudden and unwanted medical expenses. Also, before buying any plan, search it online, choose the right sum insured, pay the required premium, to get financial protection against any unwanted illness.

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

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Brain Tumour?

    17 May 2022

    The brain is one of the most important organs in your body. It is...
    Read more
    12 Tips to Avoid Common Health Problems During Summers

    12 May 2022

    India experiences a hot and dry summer season that lasts for up to...
    Read more
    Does Medical Insurance Cover Hearing Aids?

    12 May 2022

    The number of people who require hearing aids continues to grow...
    Read more
    Are Accidental Injuries Covered by Health Insurance in India?

    12 May 2022

    Accidents are unpredictable. Getting injured in an accident not...
    Read more
    6 Most Effective Ways to Prevent Viral Fever

    12 May 2022

    A change in weather can bring respite from the scorching summer...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.