What are Vector-Borne Diseases?
According to research, India is the country with the fourth-highest number of malaria cases worldwide. The plasmodium parasite, which infects people through mosquito bites, is thought to be the cause of the vector-borne disease malaria. Numerous additional vector-borne diseases, such as dengue, chikungunya, kala-azar, zika virus, filariasis, and Japanese encephalitis, are brought on by bloodsucking insects like triatomine bugs, fleas, flies, sandflies, ticks, and mosquitoes in addition to malaria.
To help you learn more about vector-borne transmissions, we have written this health reference. The list includes everything from vector-borne illnesses in India to the numerous diseases and therapies that are virtually universally used to protect your loved ones with family health insurance plans.
India’s Vector-Borne Illnesses
In India, endemic or historically common vector-mode illnesses include the following five:
- The Dengue Virus
- The Zika virus infection
- Japanese Encephalitis
- The Nipah Virus
Why would you need vector-borne disease insurance if you already had health insurance?
Even a basic medical insurance policy sum insured, however, may not be sufficient to ensure complete health coverage for yourself and your loved ones due to the daily rise in medical inflation. It is advisable to purchase a vector-borne disease policy in addition to a standard health insurance policy for this reason.
The Benefits Of Having a Cover Plan For Vector-Borne Disease
The benefits of purchasing vector-borne disease insurance are significant on numerous fronts. Here are a few examples:
- Makes you prepared for the unexpected: Even though we frequently hold out hope that nothing bad will ever happen to us, it is a good idea to be proactive and protect yourself with medical insurance.
- Get treatment with top-notch Healthcare: When you’re sick, healthcare can be extremely expensive. Your health is the last thing you want to give up. You can safeguard your finances by purchasing a medical insurance coverage.
- Get rid of money concerns: The last thing you need when you’re not feeling well is probably anxiety about anything else. Cash is needed in this case! *
- Tax savings: Although you won’t have enough coverage for the treatment of vector-borne diseases with a medical insurance policy, you can claim tax advantages for the premiums you paid for your medical plan. Under Section 80D of The Income Act of 1961, you may deduct up to $25,000 in taxes for payments made toward your health insurance premiums. Senior citizens are eligible for a deduction of 50000. **
A plan covering vector-borne diseases’ inclusions and exclusions
You should be aware of what is health insurance, what is covered and not covered by the plan to protect against vector-borne diseases:
- Consumable expenditures: The medical plan will cover additional costs including pre- and post-hospitalization fees, in-home hospitalisation, ambulance fees, childcare procedures, related medical costs, etc.
- Benefits of a second opinion: If you’re not happy with your doctor’s diagnosis of a vector-borne illness, you may get a second opinion. Any expenses incurred during this time will be reimbursed by the medical plan.
Vector-Borne Disease Cover Plan exclusions
- If the policyholder tests positive for COVID-19 or another vector-borne sickness, only hospitalisation is available;
- There is a 15-day waiting period starting from the date the plan was initiated;
- In the absence of a positive test result, symptomatic therapy is not covered;
- Outside of India, treatment is not covered;
- Whether or not they are disclosed, comorbidities are not covered;
- Any infections other than those that are vector-borne or COVID-19 that require hospitalisation are not covered;
- Members who already have coronavirus or other vector-borne illnesses or who have received a diagnosis for either will not be covered when they purchase this insurance;
- Home hospitalisation is not covered by this plan.
* Standard T&C Apply
** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.
# Visit the official website of IRDAI for further details.
## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply
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