Dengue fever, malaria, filariasis, chikungunya, and other vector-borne diseases will soon be covered by regular health insurance policies. The minimum amount assured is Rs 10,000, and the overall sum assured is Rs 2 lakh. The policy would have a one-year fixed term and a 15-day waiting period until it can be extended. Person and floater sum insured coverage would be available for the regular product. The features and scope of a regular health insurance policy are the same for all insurance providers. Pricing, on the other hand, is determined by the company’s actuarial estimates.

The policy’s duration has been set at twelve months. When the term expires, customers must renew their premiums. Insurance companies have been given the freedom to set premiums based on their evaluations, but they must do so on a “pan India basis” with “no geographic location or zone-based pricing permitted “.

The insurance regulator asked stakeholders to submit comments after releasing the draught guidelines in November 2020. Industry analysts believe that such short-term disease-specific insurance policies would be in demand in the post-pandemic insurance market.

Last year, the IRDAI launched a coronavirus-specific insurance plan to better secure a significant portion of the uninsured population who might be vulnerable to the pandemic. IRDAI also revealed standardized term life and health insurance last year.

Why Is It Required?

Humans contract vector-borne diseases like chikungunya, dengue fever, filariasis, kala-azar, Japanese encephalitis, and the zika virus through mosquito bites. Every year, hundreds of thousands of infants, adults, and the elderly are infected with vector-borne diseases. Many people die as a result of this. When you purchase health insurance for vector-borne diseases like dengue and malaria, you are protecting yourself from a lack of care. In India, it is very normal to overlook the severity of vector-borne diseases. People also ignore diseases and, as a result, either postpone or refuse treatment. When their health deteriorates, they have no choice but to seek care as soon as possible. People don’t know where to go or how to get money in such a dire situation.

If you live in an area where there are a lot of mosquitos, it’s a good idea to get health insurance for vector-borne diseases so you don’t have to worry about money or getting proper care.

Vector-Borne Disease Health Insurance Plans:-

Future Vector Care Plan-

The following are some of the main features of the Future Generali policy:

  • In the event of a diagnosis and hospitalization for Malaria, Dengue, Zika Virus, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, or Chikungunya, a lump sum payment of 100% is made.
  • The amount insured ranges from Rs. 10,000 to Rs. 75,000, depending on the policy.
  • Although one year is the minimum policy tenure, three years is the maximum policy tenure.
  • The minimum age to enter is one day, and the maximum age to enter is 65 years.
  • Regardless of the amount insured or the insured’s age, the scheme does not entail a pre-insurance medical review.
  • To know more in detailed click on this link-

M-Care Health Insurance Policy-

The following are some of the highlights of this Bajaj Allianz policy:

  • Malaria, Dengue, Zika Virus, Lymphatic Filariasis, Chikungunya, Kala-azar, and Japanese Encephalitis are among the seven vector-borne diseases for which a lump sum payment of 100% is made in the event of diagnosis and hospitalization.
  • Between Rs. 10,000 and Rs. 75,000 is the amount insured.
  • The policy is available on an annual basis.
  • The age requirement for entry is 0 days. The legal age for admission is 65 years old.
  • Up to 55 years of age, there is no requirement for a pre-insurance medical review.
  • To know more in detailed click on this link-

Mosquito Disease Protection Policy-

The following are some of the main features of the HDFC Ergo policy:

  • The policy is a health care plan for a group of people.
  • It covers inpatient hospitalization treatment costs, pre-and post-hospitalization coverage, reinstatement of the amount insured, and accidental death due to vector-borne diseases.
  • Malaria, Dengue Fever, Chikungunya, Japanese Encephalitis, Zika Virus, Lymphatic Filariasis, and Kala-Azar are among the vector-borne diseases covered.
  • Outpatient care costs, co-payments, rehabilitation benefits, and waiting time plans are also included as options in the package.
  • The premium for the policy can be charged in installments. Half-yearly, quarterly, and monthly are the available choices.
  • To know more in detailed click on this link-


Make sure you have the health insurance for vector-borne diseases that best fits your needs now that you know what choices are available. In the event that you contract dengue fever, malaria, or some other disease caused by a mosquito bite, purchasing health insurance for vector-borne diseases would be a huge help. Remember that this one-of-a-kind purchase is well worth your money.

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