Best Health Insurance Plans To Keep Yourself Insured Against Malaria

Published On Apr 16, 2021 5:30 AM By KANIKA WADHWA

Malaria is a vector-borne disease that spreads via mosquitos and affects people all over the world every year. Treatment that is postponed can be risky. As a result, it's important to get a prompt diagnosis and treatment for such illnesses. Treatment for these diseases can be costly in terms of medication and hospitalisation. These diseases are caused by viruses, parasites, and bacteria.

Best Health Insurance Plans To Get Insured Against Malaria

Here are a few insurance plans for you to consider for malaria coverage:

1. HDFC Ergo Health Suraksha Plan

HDFC Ergo is one of India's most reputable health insurance firms. It offers a wide range of medical insurance options that are intuitively built to meet everyone's needs. The firm provides Critical Illness Insurance and the Health Suraksha Plan.


  • No. Of Members: The policy offers individuals as well as family floater policy.
  • Lifelong Renewal: The policy offers are lifelong renewability features, saving you from the financial burden caused because of a medical emergency. Hence, you stay well prepared to tackle such situations.
  • Wide Sum Insured To Choose From: The Company offers various sum insured options to choose from. It also offers a 5% bonus on each claim-free year.
  • Pre And Post-Hospitalisation Cover: Health Insurance plans cover the medical expenses for 60 days before hospitalisation and 90 days after hospitalisation.
  • Health Check-Ups: Upon successful completion of certain policy years, the company reimburses the health check-up expenses.

2. M-Care Health by Bajaj Allianz

Bajaj Allianz M-Care is a health insurance policy intended to cover the costs of medication for vector-borne diseases. Dengue Fever, Chikungunya, Filariasis, Malaria, Kala Azar, Japanese Encephalitis, Filariasis, and Zika Virus are among the diseases covered.


  • Sum Insured To Choose From: The insurance coverage amount varies between Rs 10,000 and Rs 75,000.
  • No. Of Members: This is a floater policy for the proposer's family, including his or her spouse, children, and parents.
  • The cost of medication when undergoing treatment
  • Medical test costs prior to/during hospitalisation
  • Pre And Post-Hospitalisation Cover: Health Insurance plans cover the medical expenses for 60 days before hospitalisation and 90 days after hospitalisation.
  • Malaria and dengue care costs incurred 15 days prior to/during hospitalisation
  • Treatment Costs: Treatment costs, such as ICU fees, room rent, doctor fees, blood transfusions, and so on.
  • Filariasis Therapy: Filariasis therapy is only paid once in a lifetime.
  • A 60-day waiting period is needed.

3. Future Vector Care by Future Generali

This is a family insurance plan for dengue fever that includes a lump sum payment upon diagnosis of any vector-borne diseases such as:

  • Dengue fever
  • Malaria
  • Chikungunya (chicken pox)
  • Kala-azar
  • Japanese Encephalitis
  • Filariasis in the Lymphatic System
  • Zika Virus


  • You will cover yourself, your spouse, two dependent parents, and up to three dependent children under this Dengue Care scheme (less than 25 years old)
  • Sum Insured To Choose From: The sum insured options are Rs.10,000, Rs.25,000, Rs.50,000, and Rs.75,000, respectively.
  • Until purchasing a policy, no pre-medical screening is needed.
  • Waiting Period: A 15-day waiting period would occur at first.
  • Policy term: Policy terms range from one to three years.
  • Lifelong Renewal: There is a lifetime renewability option available.
    If you buy a long-term package, you get a 7.5 percent discount on the premium.
    There is a cashless treatment plan available.

End Notes

Since most of us in India are at risk of vector-borne diseases like dengue and malaria, it makes sense to consider purchasing a health insurance policy that covers these illnesses. You can miss it if the basic health plan includes it. If it doesn't, you can purchase an add-on or a separate family or individual health insurance plan that covers the diseases on the above-mentioned list. You can even get this protection if you have a large family and live stress-free.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


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