Articles September 22, 2021

Vector-borne diseases (illnesses transmitted by mosquitoes, fleas, etc.) are one of the biggest worries for people when faced with the symptoms of these ailments and subsequent treatment costs. For example, the treatment of dengue, which is one of the deadly vector-borne diseases, generally ranges from INR 25,000 to 70,000. Considering this, the Insurance Regulatory and Development Authority of India (IRDAI) has launched a standard vector plan to cover a few deadly vector-borne diseases. A regular health insurance plan also covers vector-borne diseases besides other ailments. All that makes people feel confused between regular health insurance and a vector plan. On this page, we will be comparing regular health insurance plan vs vector plan.

Different Aspects of Vector and Regular Health Insurance Plans

We are comparing dedicated vector and regular health insurance plans on different aspects below. Please check.

Is a Regular Plan More Impressive in Terms of Coverage Features?

Firstly, you should know that if you have a regular health insurance plan, you will get comprehensive coverage that will include the treatment of vector-borne diseases. But on choosing a vector plan as a separate insurance product, you get dedicated coverage in case you need to get hospitalized solely and directly for the treatment of the following vector-borne diseases.

  • Dengue fever
  • Malaria
  • Lymphatic Filariasis
  • Kala-azar
  • Chikungunya
  • Japanese Encephalitis
  • Zika Virus

On choosing a sum insured above INR 20,000 in a vector plan, the coverage limit for room, boarding and nursing expenses can go up to 2% of the sum insured. The maximum ICU charges coverage stands at 5% of the sum insured. You should only choose a separate vector plan only if your coverage limit is exhausted or about to exhaust. The regular cover can be restored too. But if that comes with an add-on requiring you to pay an extra premium, a comparison of overall costs is imperative. Check which of the two is more cost-effective overall in such a situation. Meanwhile, you can check some other coverage features of vector plans below.

  • Road Ambulance Cover up to INR 2,000 per hospitalization
  • AYUSH Cover
  • OPD Treatment Cover including AYUSH (up to 25% of the sum insured)
  • Home Treatment Cover

Which of the Two – Regular Health Insurance Plan vs Vector Plan – Has ImpressiveSum Insured Offers?

Under both regular health insurance and vector plans, you can choose the sum insured option as per your needs. Under a vector plan, the minimum sum insured stands at INR 10,000 and can go up to INR 2 lakh in the multiples of INR 10,000. You can also choose between indemnity and fixed benefit options according to your convenience.

On the other hand, the sum insured under a regular health insurance plan can go up to a few crores depending on your needs and affordability.

Which Has Exensive Pre-and Post-Hospitalization Cover?

With a regular health insurance plan, you can get coverage for pre and post-hospitalization expenses for 30-60 days and 60-180 days, respectively. With a dedicated vector plan, you can get coverage against the expenses incurred before and after hospitalization for 15 and 30 days, respectively.

Whose Policy Term is Better?

Under both vector and regular health insurance plans, you can choose from multiple policy term options for up to three years. Insurance companies also offer lifetime renewability options. In the case of vector plans, insurance companies have also been proposing a policy term of less than one year as vector-borne diseases are generally seasonal.

Which Offers More Coverage for Less?

Under both vector and regular health insurance plans, the premium amount depends on the chosen sum insured options. So, the higher the sum insured, the higher will be your premium outgo. If you choose multi-year policies and pay an upfront premium amount, you can get up to a 10% discount on premiums. Some insurers also offer a discount on premiums to their employees and individuals who purchase their policy online.

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