Vector-borne diseases are a menace that are faced by Indians each monsoon. Though the government is taking active steps to curb this menace, the insurance companies are offering vector-borne insurance plans to help policyholders enjoy quality medical attention which can otherwise be expensive.
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Health insurance is a contract between the insurer and the insured which guarantees insurance coverage and takes care of medical expenses of the policyholder in case of hospitalization. Health insurance plans offer cover for dengue and other vector-borne diseases for hospitalization.
Some insurance companies also introduced special insurance cover to take care of vector-borne diseases like dengue. The average cost incurred on Dengue treatment varies from Rs 35,000 to 70,000 in India. The plan covers both hospitalization and outpatient expenses.
See Also: Health Insurance Benefits
If you live in a city prone to vector-borne diseases, avail a dengue care plan to insure your family against vector-borne diseases. These plans are available as both individual plans and family floater plans.
The vector-specific plan offers coverage for diseases like dengue, malaria, kala-Azar, chikungunya, Zika virus, Japanese Encephalitis, and lymphatic Filariasis. The dengue care plan offers coverage only for vector-borne diseases, while the normal health insurance plan offers comprehensive coverage for all diseases which result in hospitalization.
A vector-specific health insurance plan covers inpatient and outpatient treatment, home care and diagnosis.
A dengue specific plan has the following features:
See Also: Family Health Insurance Plan
The dengue-specific health plans cover self and spouse along with 3 dependent children and can be extended to 2 dependent parents. No pre-examination or medical test is required to purchase these plans. The other coverage’s offered by these health insurance plans are as follows:
See Also: Health Insurance Plans
People already suffering from vector-borne diseases like chronic malaria are not eligible to buy these plans. You can buy them as a preventative measure if you are residing in a place or a city prone to vector-borne diseases. The dengue specific plans cover only vector-borne diseases and offer no coverage for other ailments or medical conditions. The other exclusions are as follows:
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