What is a vector borne disease?
Vector Borne diseases, such as Malaria, Chikungunya, and Dengue, are illnesses transmitted by insects or animals like mosquitos. As the occurrences of these diseases rise, insurance companies have introduced insurance policies to provide financial protection against such health challenges. These policies offer a safety net, ensuring financial stability for individuals and their families during times of illness. This type of coverage shares similarities with the Corona Rakshak Plan that emerged during the Covid-19 pandemic
Common Symptoms of Vector Borne Diseases
The number of diagnoses of vector diseases generally increases after the monsoon season, with symptoms such as headache, nausea, fever, rash on the skin, joint pain, muscle cramps, difficulty in breathing, fast heart rate, chest pain, and swelling of the face, lips, and tongue.
Understanding the Insurance Offering
This insurance policy can be purchased by those aged between 18-65 years and provides coverage for seven types of diseases, including Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Chikungunya, Japanese Encephalitis, and Zika Virus. Both individuals and families can purchase the policy to receive financial protection against the specified illnesses. The contract offers indemnity, lump-sum, or daily cash benefits up to the sum insured as opted in the policy.
General Terms and Conditions
Some essential terms and conditions that the insured should be aware of include:
- The insured must be admitted to the hospital for at least 72 hours.
- It is required to have laboratory-tested reports to detect vector-borne diseases.
- The policy’s tenure is one year, and the waiting period for the policy lies between 15-30 days from the date of issuance.
- 2% of the sum insured will be paid by the Insurance Company upon detecting the vector-borne disease.
Exclusions: What Isn’t Covered
It is important to note that certain exclusions apply to the policy, including:
- No claim will be payable except for the vector-borne diseases mentioned in the policy contract.
- Admission to the hospital for evaluation or observation.
- Expenses incurred from OPD or daycare treatment are not included.
- Treatment taken at home is not covered.
In conclusion, a Vector Borne Insurance Contract provides financial security against various vector-borne diseases. This policy ensures peace of mind knowing that you’re prepared for unexpected health issues, and it’s important to be aware of the terms and conditions as well as the policy exclusions to make an informed decision in order to avoid any future claim rejections.
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