The country is witnessing a rising number of ailments that are primarily being spread through mosquitoes and this is definitely causing alarm. Now, Bajaj Allianz General Insurance has come out with specialized health coverage for vector-borne diseases. The specific diseases to be covered under this plan are seven in number. They are malaria, dengue, Kala Azar, Chikungunya, Filariasis, Japanese Encephalitis and the Zika virus.
This one of a kind health insurance policy emphasizes diseases borne by mosquitoes and there is also coverage for several kinds of vectors including flies, fleas, sand flies and other types of insects. There are multiple coverage choices which vary between Rs. 10, 000 and Rs. 1, 00, 000 with premiums ranging between Rs. 160 and Rs. 3, 000.
The key feature of such health coverage is that it will remain applicable even while traveling internationally. The person insured will be able to get compensation in case his/her infection happens across 37 countries which are listed. These include the whole of Europe, the United States of America, Singapore, New Zealand, Japan, Malaysia, Dubai, Canada and Hong Kong among others.
As per the company, there has been a major increase in the count of people who is taking ill on account of diseases that are vector-borne. Already in 2018, 3 lakh+ cases of malaria and 80, 000 dengue cases have been reported in India according to the company’s statement. This coverage can be chosen for families and individuals alike. There is a family floater policy that ensures ample coverage for up to 6 family members. This can consist of one’s children, spouse and parents as well.
In fact, the introduction of health insurance for vector-borne diseases may turn into something of a trend over the next couple of years with several insurers recognizing the need for such a product in India which has been grappling with the rising incidences of such diseases and infections for many years now.