Monsoon is a much-awaited season in India. Not only does it bring relief from the scorching summer heat, it also brings along its own share of small joys. It is the season of sharing fried foods with friends and family and sipping hot cups of coffee and tea. But unfortunately, at the same time, monsoon also brings along many types of illnesses such as vector-borne diseases.
What are vector-borne illnesses?
Vector-borne illnesses are infections which are transmitted from blood feeding anthropods such as mosquitoes, ticks, and flees. Typically, illnesses such as dengue fever, malaria, Lyme disease, and West Nile virus, among others, are considered to be vector-borne.
Vector-borne diseases spread quickly in India, due to overpopulation and unhygienic conditions, especially during the monsoon. Thousands of people die each year due to these diseases, and the treatment costs can certainly burn a hole in one's pocket, especially if a family already has financial constraints.
This is why it is highly advisable to purchase a health insurance policy. Although there are different types of health insurance
available, it is better to go for one which covers vector-borne illnesses, especially in the rainy season.
Which vector-borne diseases are covered under health insurance?
These are the vector-borne diseases that are covered by most health insurance policies:
- Dengue fever
- Zika Virus
- Japanese encephalitis
- Kala Azar
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Benefits of purchasing health insurance cover for vector-borne illnesses
Here are some advantages of purchasing coverage under health insurance for vector-borne conditions:
- Free lock-in period: Health insurance policies offer a free lock-in period of 15 days so you can have the option to return the policy if the terms are not suitable. This is also applicable for vector-borne coverage under health insurance.
- Cashless facility: Another advantage is cashless health insurance. This means under this cover you can avail cashless facilities in hospitals, so that you don't have to worry about finances and can focus on recovery.
- Lifetime renewal: Insurance for vector-borne ailments offers policyholders with an option of lifetime renewal.
- Floater policy: Vector-borne illness cover under health insurance also makes provision for floater policy for parents, children, and spouses.
- Sum assured value: This type of health insurance cover allows you to choose from sum assured value from INR 10,000 to INR 75,000.
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Things to remember before getting health insurance for vector-borne diseases
Before you purchase a health insurance policy
which include a vector-borne coverage, there are some things you must remember. There is usually a waiting period to avail insurance for vector-borne diseases as these diseases are selective in nature. So, if you as a policyholder purchase a health insurance policy after the diagnosis of the vector-borne condition, then a waiting period of sixty days is applicable for the same depending on the terms & conditions of the policy. You can know the premium of your health insurance policy which provides a vector-borne coverage with the help of a health insurance premium calculator
In conclusion, purchasing vector-borne coverage under your insurance policy is a great way to secure yourself and your family against various monsoon diseases. Before you purchase it, do read the terms and conditions in the policy document and analyse it carefully to make an informed decision. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.
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