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Why Do You Need A Health Insurance Plan For Vector Borne Diseases?

Updated On Aug 25, 2021

People usually have this perception that their base health insurance plan will cover the medical expenses of vector-borne diseases, which is not true. Until or unless stated, the standard health insurance covers do not provide coverage for vector-borne diseases, however, there are separate health insurance plans which are specifically for vector-borne diseases. You can purchase these covers to get comprehensive and affordable coverage against vector-borne diseases like dengue, malaria, kala-azar, chikungunya, etc. 

Vector-borne diseases are spread due to the transmission of pathogens by the mosquitos, or any other animal like bats or pigs. These diseases spread among a large population and some of them are contagious. Vector-borne diseases require immediate medical attention which might not be affordable for some people, and therefore, having a health insurance policy can be of great help to such individuals. A lot of people suffering from vector-borne diseases lose their lives due to the lack of proper treatment and therefore, monetary support is essential in this case. 

About Health Insurance Policy For Vector-Borne Diseases 

Health insurance plans for vector-borne diseases cover the medical expenses incurred due to the treatment of diseases like dengue, malaria, chikungunya, kala-azar, etc. It provides monetary support along with other features and benefits. Diseases spread by the vectors need immediate medical attention and it can be stressful for some people to spend their financial savings on medical treatments. Thus, such policies provide financial aid and ensure quality treatment to the policyholders at an affordable price. Some of the essential benefits that can be availed under the health insurance covers for vector-borne diseases are: 

  • It provides pre and post-hospitalization and in-patient cost benefits along with room rents, ICU charges, daycare treatment, ambulance charges, and much more.
  • It covers the medical expenses for 30 days of pre-hospitalization period and 60 days of post-hospitalization period.
  • The insurance provider automatically refills the sum assured under the policy in case of exhaustion of the cover. 
  • Cashless claim treatments are provided at the network hospitals of the insurance company under which your medical dues will be settled by the insurer to the hospital directly. 
  • Annual healthcare checkups are offered by the insurers to help you prevent illnesses and related complications. 

Importance of Health Insurance Cover For Vector-Borne Diseases 

Every year a large population of our country is affected by vector-borne diseases which spread due to the bite of the mosquitos that prominently breed in the monsoon season. These mosquitoes carry pathogens that transmit vector-borne diseases, costing many individuals their lives. Various factors like climate change, urbanization, rains, new agricultural methods, etc. support the increased spread of the disease.   

Vector-borne diseases require immediate medical attention. Some of them can be treated using direct medications like vaccines but some diseases like dengue cannot be treated using a specific vaccine and need a combination of medical treatments. A health insurance policy ensures quality treatment of the customers, without worrying about the cost of treatment. Usually, people tend to ignore these diseases which ultimately lead to the death of the patient, therefore having a financial backup like a health insurance cover can provide smooth, quick, and hassle-free treatment of the policyholder. There are several health insurance plans in the market like Future Vector Care Plan, Mosquito disease protection policy, etc. that provide wide coverage for the customers. 

Also Read: Everything About SBI Health Insurance Plan

How To Prevent Vector-Borne Diseases? 

You must have heard that prevention is better than cure, and therefore you can prevent the spread of vector-borne diseases during the monsoon season, as it is the prime breeding season for mosquitoes. Let us look at some of the measures involved: 

  • Do not allow water to collect near your house as stagnant water is the breeding home for mosquitoes. 
  • Use mosquito repellent creams to avoid getting bitten by the mosquitoes. 
  • Avoid eating junk food or any food from outside and have more homemade food. 
  • Carry hand sanitizers and masks for your protection against pathogens. 


You must have a separate health insurance plan to deal with vector-borne diseases and never forget to go through the policy-related terms and conditions to make sure that the prominent vector-borne diseases have been included in your cover. 

Also Read: Do You Think Your Employer's Health Insurance Is Enough

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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