June is when the rains bring respite to the country from the searing summer heat. While everyone longs for monsoon for its much-needed benefits like dried forest cover turning lush green and bringing down the mercury throughout the country. However, as time pass, problems starts to cripple; problems that lead to the concern of vector-borne diseases. Vector-borne diseases are those transmitted through some organism which are also known vectors like mosquito. Malaria, Dengue, and Chikungunya are some of the more commonly occurring vector borne diseases. However, Filariasis, Kala Azar, Japanese Encephalitis, Zika Virus are some others that are also prevalent.
To stay protected from such risks, it is best to get a health insurance policy. ‘What is health insurance?’, you may ask. Health insurance is a contract where the insurance companies offer financial coverage for treatments that you need to avail. The insurance companies charge a premium and in return offer such financial assistance.
While coping with such ailments can prove to be expensive, a health insurance cover helps you mitigate the financial cost of treatment. Different types of policies are offered, an individual policy, family floater plan, though choosing a policy that specifically deals with vector borne diseases is crucial. For that purposes, some insurance companies offer specific policies that tackle these vector-borne ailments. Some of them are cashless health insurance, while others are standard reimbursement policies. Let’s look at how you can ensure protection for you and your family:
Most health insurance in India that cover vector-borne diseases offer coverage for hospitalisation costs. With this feature, necessary medical treatment that requires hospitalisation is covered by your insurance company.
Coverage for medical expenses
With coverage for medical expenses, any costs up to 30 days prior to treatment, also known as pre-hospitalisation, and 60 days post hospitalisation cover is available. This critical feature helps you not only cover the treatment, but also pre and post treatment expenses that can be substantial.
With the cashless health insurance facility, treatments for vector-borne diseases can be availed in a cashless manner. You no longer are required to pay the medical facility from your own pocket, instead the insurance company directly settles the bill on your behalf.
Annual health check-up
Some plans that offer annual check-up aid in early diagnosis of ailments. With early detection, treatment becomes easier and less intensive.
Apart from the above, it is essential that you buy a policy that covers day-care treatment, offers coverage for ambulance charges, ICU charges and have minimal sub-limits on expenses like room rent and other services.
Vector borne diseases are common in India and neglecting the need for timely treatment can be fatal. Moreover, it is essential to practice healthy hygiene habits like using mosquito nets, keeping body covered, avoiding street food and using mosquito repellents too. Further, when selecting a suitable policy, you must take into account the beneficiaries covered, the estimated cost of treatment, and the various features based on which a final policy selection can be made. 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.