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Major Vector Borne Diseases Covered In Health Insurance

Updated On Aug 25, 2021

With the onset of monsoon, the breeding of mosquitoes increases rapidly which spreads pathogens in the human body thus making them sick with the vector borne diseases. These diseases spread rapidly due to pathogens, viruses, and bacterias which are transmitted by the vectors. It is one of the essential health problems as it is mostly overlooked by the people and needs immediate medical attention. Due to vector borne diseases, a lot of people lose their lives every year as they cannot afford the medical treatment required. To prevent people from exhausting their savings on the treatment of vector borne diseases, the health insurance providers have rolled out health insurance policies for the same.

These health insurance policies cover a wide range of vector borne diseases like chikungunya, zika virus, dengue, malaria, kala azar, filariasis, japanese encephalitis, and much more. A comprehensive and affordable coverage is provided to the customers with benefits like hospitalization costs, inpatient costs, ambulance charges, consultation fees, and free healthcare checkups. You can avail all the benefits under such plans with cashless claim benefits by receiving treatment at the network hospital of the insurance company.

Major Vector Borne Diseases Covered In Health Insurance

Major Vector Borne Diseases Covered In Health Insurance Plans

Based on the climatic conditions and other environmental factors, different countries are affected by different sets of vector borne diseases, and accordingly health insurance plans are offered. Let us look at some of the prominently spread vector borne diseases in our country for which health insurance is provided:

1. Malaria

It is one of the most common diseases in our country and has a long history that over the time it has become an epidemic. It spreads due to the bite of a female Anopheles mosquito and transmits a parasite called plasmodium. A large portion of people get infected with malaria every year and it can be treated with proper medical and healthcare treatment only. It is covered under the health insurance plans for vector borne diseases.

Also Read: Health Insurance to Tackle Lifestyle Diseases in India

2. Dengue

This is one of the most deadly vector borne diseases spread by the mosquito Aedes Aegypti. The mosquito transmitting dengue fever is a daytime feeder and it results in symptoms like flu in the human body. Dengue fever can result in dehydration and loss of blood , therefore it needs immediate medical attention. There is no direct medication or vaccine for the cure of dengue fever but with the help of the right medical treatment it can be treated. Sometimes, it can result in the loss of lives of the people and is therefore covered under the health insurance plans.

3. Zika Virus

Zika virus is transmitted by the same mosquito that causes dengue fever, chikungunya, and yellow fever. This mosquito is also a day time feeder and therefore the risks of getting bitten by them is higher. Though this virus is not a life-threatening disease yet it causes severe defects to the newborn baby if the pregnant mother gets infected with this virus. This virus is quite rare in our country but the health insurance providers cover it within their health insurance plans.

4. Nipah Virus

This vector borne disease is transmitted to the human body via infected animals like pigs and bats. This is a contagious virus disease and can spread from one human to the other which makes it a deadly disease. This virus comes with flu-like symptoms and can cause respiratory illnesses. These days this virus is not as common as it was in the year 2001. A few cases of nipah virus were reported in the year 2019 but with proper healthcare they were treated efficiently.

5. Japanese Encephalitis

This is one of the most common vector borne diseases in our country prominent among kids between the age of 3 to 6 years. It spreads through animals like pigs, mosquitos, and water birds. Less people show clinical symptoms of this disease until the inflammation reaches the brains and affects its normal functioning. It can be prevented with the help of the prescribed vaccine and is covered under almost all the health insurance policies.


Many other vector borne diseases like kala azar, chikungunya, filariasis, etc. are covered under the health insurance covers for vector borne illnesses. To get a health insurance cover for a particular disease make sure it has been covered under your purchased policy by the insurer. Thoroughly read the terms and conditions of the policy during the 15-days free look period to avoid any confusion at the time of claim settlement process.

Must Read: The Top 6 Disease-Specific Health Insurance Plans

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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