Vector borne diseases like Dengue and Malaria are causing customers to claim their Health Insurance very often
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Diseases like Dengue and Malaria are vector borne and are called communicable diseases. Such diseases in India are rising at an alarming rate due to urbanization and globalization. India’s climate and huge population have fairly contributed to the spread of the disease.
Medical inflation, sky rocketing healthcare cost and progress in medical technology have added to the treatment costs of such diseases. Health insurance is meant to pay for one's hospitalization expenses even then majority of the people pay for such expenses on their own as the outreach of Health insurance in India is less than 5%.
In the last one year, There has been a 25% rise in claims for vector borne diseases. Claims related to Dengue and Malaria have risen by 5%. Due to the increasing hospitalization costs, the average claim amount for such diseases has also increased, with majority of customers claiming more than Rs 40,000. It has been observed that Northern cities like Delhi, Mumbai, Bangalore and Surat have recorded most of the claims for dengue while Eastern cities like Kolkata have received more claims for Malaria.